Medicare

Part A – Hospital Coverage  

Helps pay for inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Part B – Medical Coverage

Helps cover doctor’s services, outpatient care, medical supplies, and many preventative services.

Medicare Supplements (Medigap)

Since Original Medicare doesn’t pay for all health care costs, Medicare supplement plans are available through private insurance companies. Medicare supplement plans help pay for things like copays, deductibles and more.

Medicare Advantage Plans (Part C)

A “bundled” plan, offered by Medicare-approved private companies, that includes all benefits and services covered under Parts A and B, usually Part D, and may include additional benefits such as vision, hearing, and dental. Usually lower premiums, but may have higher out-of-pocket costs for covered services.

Cost Plans

A cross between a Medicare supplement and a Medicare Advantage Plan. There may be some cost sharing when visiting a doctor, for a hospital stay, labs, or diagnostic tests, but this cost sharing all adds up to an out-of-pocket maximum to limit the annual risk for the insured.

Prescription Drug Plans (Part D)

Medicare prescription drug plans provide coverage for generic and brand-name drugs.

Plans are regulated by Medicare but administered by private insurance companies.
Premiums and cost shares will vary depending on the plan.
 

What is the difference between Medicare Advantage and Medicare Supplement?

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 17 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.