Medicare
Turning 65? Approaching Retirement? Recent Rate Increase?
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Medicare Supplement/Medigap
Medicare Supplement/Medigap is health insurance sold by private insurance companies to fill the gaps in “Original Medicare” Parts A & B. Plan coverages are standardized by the government to offer the same basic benefits across insurance companies. A Medicare supplement plan letter indicates exactly what is covered. You can visit any doctor that accepts Medicare patients without needing referrals.
Medicare Advantage Plans/Medicare Part C
Medicare Advantage Plans/Medicare Part C are run by private insurance companies approved by Medicare. They provide your Part A and Part B coverage but can charge different amounts for certain services. These plans may include prescription drug (Part D) coverage and are offered as HMO, PPO, and PFFS plans. Doctors can choose whether or not to accept the plan, and plans can change each year.
Prescription Drug Plans/Medicare
Part D
Prescription Drug Plans/Medicare Part D are available to anyone entitled to Medicare Part A or enrolled in Medicare Part B. This can be a stand-alone plan that complements Medicare Part A and Part B coverage, or it can be part of a Part C Medicare Advantage managed care plan that combines hospital, medical, and prescription drug insurance.
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