Medicare is a federal government health insurance program for people who are 65 or older. Younger people with certain disabilities may also qualify. Medicare is divided into“parts”, which cover specific services.

  • Part A - Hospital Insurance
  • Part B - Medical Insurance & Doctor Visits
  • Part C - Medicare Advantage
  • Part D - Prescription Drug Coverage
  • Medicare Supplement Insurance Plans (Medigap)

Original Medicare Part A and Part B are administered by the federal government and these plans do not vary by State. On the other hand, Part C, Part D, and Medigap plans are administered by private health insurance companies approved by the federal government and these plans do vary by State:

 

 

Medicare Advantage “bundles” Original Medicare Part A and Part B into one health insurance plan. Most Medicare Advantage plans also bundle Part D - prescription drug coverage. Medicare Advantage can also include extra services not included in Part A and Part B, such as vision, hearing, dental, and wellness programs.

 

Learn more about Medicare Part C - Medicare Advantage

 

 

Some Medicare Advantage plans do not include Part D prescription drug coverage.

 

Learn more about Medicare Part C - Medicare Advantage

 

 

Medicare Part D is prescription drug coverage, which can be combined with other Medicare health insurance.

 

Learn more about Medicare Part D - Prescription Drug Coverage

 

 

Medicare Supplement Insurance Plans cover costs not included in Original Medicare Part A and Part B, including deductibles, copays, and coinsurance. Medicare Supplement Insurance Plans are also known as Medigap, because they cover the “gaps” in Part A and B.

 

Learn more about Medicare Supplement Insurance (Medigap) Plans

 


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