Medicare Options


Option one: Original Medicare. Medicare Part A helps cover hospital and other inpatient costs. Medicare Part B helps cover doctors and other healthcare provider costs. This is available through the federal government.

Option two: Original Medicare, plus Medicare  Supplement plan, plus a prescription drug plan and dental and vision plan.

Medicare Supplement Plans are often called "Medigap plans". They are designed to pay some of the cost the Original Medicare doesn't pay, such as copayments, coinsurance, and deductibles.

Each Medicare Supplement plan has a unique blend of benefits, costs can be predictable and are not limited to a specific network of providers.

Option three: Medicare Advantage (MA) plan. This plan includes Medicare Parts A and B and frequently includes extra benefits and services like free gym memberships, hearing aids, mail-delivery pharmacy, and access to nurse advice hotline, vision and dental coverage, and also prescription drug coverage.

MEDICARE PART D: Prescription Drug Coverage

  • Part D coverage is available only from private companies contracted by the federal government
  • Part D plan has its own list of covered drugs, choose the one that includes medicine you take regularly.
You choose Part D either as
  • a stand-alone insurance plan you buy to help cover your medicines (PDP)
  • as a part of a Medicare Advantage plan that includes Part D (MAPD)
Medicare Part D has a coverage gap, also known as the "donut hole" when you may have to pay a higher percentage of your prescription drug cost. You move into and out of the coverage gap when your total costs reach a specified dollar amount.


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