We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options. We will refer you to any plan we do not offer should it better meet your needs.
If you’re just starting your Medicare journey, use our Q & A page that will walk you through what to do based on your current situation.
There are many plans to choose from, but all plans fall into one of two types.
TYPE 1: Medicare with a Medicare supplement and medicare Part D RX plan.
TYPE 2: Assign your Medicare benefits to a Medicare Advantage HMO or PPO plan
Decide which type you’d prefer to lower your Medicare out-of-pocket costs
TYPE 1
Medicare Pays First
You add:
Medicare Supplement Plan
& Medicare Part D Rx Plan
TYPE 2
Join Medicare Advantage
HMO or PPO
Most plans include Part D Rx
When compared, the main differences between these two types is:
TYPE 1
vs.
TYPE 2
Monthly premiums
vs.
Normally less than type 1
Little or no cost for medical care
vs.
Copayments for medical care
Choose any Medicare provider in the USA
vs.
Network providers
Choose any RX plan
vs.
RX plan included with health plan
Portability
vs.
Must reside in the plan service area
Dental separate
vs.
Dental option on some plans
Government funding on RX only
vs.
Rely on government funding
Cost more for extra benefits
vs.
Extra benefits like gym membership
Download our brochure to help understand your choices.
CHOOSING A MEDIGAP POLICY?
Plans have letter designations, so every plan with every insurance company is the same. All plans pay some, or all of Medicare’s part B 20% cost share. Plan F, the most popular plan pays 100% of the balance owed after Medicare pays.
Drug coverage (Part D)
How to get drug coverage
There are two 2 ways to get Medicare prescription drug coverage–either through adding a Medicare Prescription Drug Plan (Part D), or joining a Medicare Advantage Plan (Part C) such as an HMO or PPO that includes Medicare prescription drug coverage.
Costs for Medicare drug coverage
Learn about the types of costs in a Medicare drug plan.
When can I join a health or drug plan?
Find out when you can sign up for or change your Medicare Advantage Plan (Part C) or Medicare Prescription Drug Coverage (Part D).
Still needing more information? Find what you are looking for with one of these helpful websites.