There are two main choices for how you get your Medicare coverage. These choices will be explained in more detail below.
Option 1
Original Medicare
Original Medicare
This includes Part A and B.
Part A
Hospital Insurance
+
Part B
Medical Insurance
You Can Also Add:
Part D
Medicare Prescription
Drug Coverage
You Can Also Add:
Medigap
Medicare Supplement Insurance
(Medigap policies help pay your out-of-pocket costs in Original Medicare.)
Option 2:
Medicare Advantage (Part C)
Medicare Advantage (Part C)
These plans are like HMOs or PPOs, and typically include
Part A, B, and D
Part A
Hospital Insurance
+
Part B
Medical Insurance
+
Part D
Medicare Prescription
Drug Coverage
(Most plans cover prescription drugs. If yours doesn’t, you may be able to join a seperate Part D plan.)