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Choosing the Right Medicare Plan For YouUnderstanding Medicare plans and coverage options can be complex and confusing. There are many different types of Medicare plan options available, including Medicare Advantage, Medigap (Medicare Supplement), Medicare Part D Prescription Drug plans, in addition to original Medicare. 
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Who Does Medicare Cover?Medicare is the federal health insurance program for people who are 65 or older, as well as younger people with disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig's disease (ALS). For most people, the eligibility window to sign up for Medicare coverage starts three months before they turn 65 (includes their birth month) and ends three months after they turn 65. 
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Types of Medicare CoverageOriginal Medicare (Medicare Parts A and B)Original Medicare consists of Part A and Part B coverage. Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health services. Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. There are no premiums for Part A for most people, but you do pay monthly premium for Part B. Prescription Drug Plans (Medicare Part D)Medicare prescription drug plans are optional coverage that is available to people with Original Medicare coverage, as well as other costs plans, private fee-for-services plans and Medical Savings Account plans. Many Medicare Advantage plans (Medicare Part C) will include prescription drug coverage as part of the all-in-one plan offering. Medicare Advantage (Medicare Part C)Medicare Advantage plans are offered through Medicare-approved private insurance companies and typically combine Parts A, B and D coverage into a single plan. Medicare Advantage plans may also include additional benefits. While there can be several added benefits to these plans, they often have a more limited network of doctors and hospitals. Medicare Supplement Insurance (Medigap)Medicare Supplement insurance, or Medigap coverage, is extra insurance offered by private insurance companies and helps supplement Original Medicare coverage like out-of-pocket expenses. |
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