Medicare Options –How do you get your Medicare coverage?

Choose from 3 main ways how to get Medicare coverage:
A quick glance at Original Medicare, Medicare Supplement (Medigap), Medicare Advantage

OPTION 1 Original Medicare
(Parts A & B)
+
Prescription Drug Plan
(Part D)
You pay ALL out-of-pocket costs for Medicare approved services.
(No yearly limit or maximum cap on how much you’ll pay out-of-pocket)
Optional Part D Plan will help reduce prescription drug costs.
OPTION 2 Original Medicare
(Parts A & B)
+
Medicare Supplement Plan
(Medigap)
+
Prescription Drug Plan
(Part D)
Visit ANY doctor/hospital that accepts Medicare nationwide (NO Network).

No Referrals for specialists.

Medigap plan covers ALL or SOME of your out-of-pocket costs for Medicare approved services.

You pay some or $0 out-of-pocket costs for Medicare approved services.

Optional Part D Plan will help reduce prescription drug costs.

OPTION 3 “REPLACE Original Medicare with ALTERNATIVE coverage”

Advantage Plan (Part C)

Original Medicare is REPLACED by an ALTERNATIVE type of insurance called a Medicare Advantage Plan which TAKES THE PLACE OF your Original Medicare benefits and provides their own insurance coverage benefits with various copays, coinsurance, deductibles.

Advantage Plans usually have doctor/hospital NETWORK restrictions like HMOs and PPOs and may require referrals for specialists.

Advantage Plans will vary depending on where you live and some do not provide coverage outside of your local area.

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