Medicare Part A (Hospital Insurance)

Original Medicare helps cover inpatient care in hospitals, skilled nursing facility, hospice and home health care

Original Medicare helps cover doctors’ services, outpatient care and home health care as well as some preventive services to help maintain your health and to keep certain illnesses from getting worse

Medicare Part C (Medicare Advantage Plans, like an HMO or PPO)

A health coverage option run by private insurance companies approved by and under contract with Medicare:

• Includes Medicare Parts A and B but can charge different amounts for certain services
• May offer extra coverage and prescription drug coverage for an extra cost
• Costs for items and services vary by plan
• If you want drug coverage, you must get it through your plan (in most cases)
• You don’t need a Medigap policy

Medicare Part D (Medicare Prescription Drug Coverage)

A prescription drug option run by private insurance companies approved by and under contract with Medicare helps cover the cost of prescription drugs. May help lower your prescription drug costs and help protect against higher costs in the future

Medicare Supplement Basics

Original Medicare covers many health care services and supplies, but there are many costs it doesn’t cover. A Medigap policy is health insurance sold by private insurance companies to fill gaps in Original Medicare coverage.

Medigap policies don’t work with any other type of health insurance including:

• Medicare Advantage Plans
• Employer/Union groug coverage
• Verterans Administration benefits
• TRICARE

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as Medicare supplement insurance. Medigap insurance companies can only sell you a standardized Medigap policy identified by letters A through M. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies

Which State do you live in?

To find out more about the Medicare Supplement plan information and rates available in your state simply locate your state in the table below and click on the link: