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Compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans. Find comprehensive coverage that fits your health needs and budget.

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MEDICARE BASICS

Understanding Medicare

Medicare is the federal health insurance program for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease.

A

Part A

Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.

Most people don't pay a premium for Part A

B

Part B

Medical Insurance

Covers certain doctors' services, outpatient care, medical supplies, and preventive services to help maintain your health.

Monthly premium required for most people

C

Part C

Medicare Advantage

An alternative to Original Medicare offered by private companies that includes Parts A, B, and usually Part D with additional benefits.

Often includes dental, vision, and hearing

D

Part D

Prescription Drug Coverage

Helps cover the cost of prescription drugs, offered by private companies approved by Medicare to help lower medication costs.

Standalone or included in Part C plans

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Medicare Advantage (Part C)

All-in-one alternative to Original Medicare

Benefits Include:

  • Covers Parts A & B services
  • Often includes prescription drug coverage
  • May include dental, vision, and hearing
  • Fitness programs and wellness benefits

Good For:

  • • Those who want all-in-one coverage
  • • People who prefer lower monthly premiums
  • • Those comfortable with network restrictions
  • • Individuals seeking extra benefits
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Medicare Supplement (Medigap)

Fills the gaps in Original Medicare

Benefits Include:

  • Covers copayments and coinsurance
  • Helps pay Part A and Part B deductibles
  • Freedom to choose any doctor
  • No network restrictions

Good For:

  • • Those who want doctor choice freedom
  • • People who travel frequently
  • • Those with specific healthcare needs
  • • Individuals seeking predictable costs
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Part D Prescription Drug Plans

Standalone prescription drug coverage

Benefits Include:

  • Covers prescription medications
  • Works with Original Medicare or Medigap
  • Helps lower prescription costs
  • Catastrophic coverage protection

Good For:

  • • Those taking regular medications
  • • People with Original Medicare
  • • Those with Medigap coverage
  • • Individuals wanting drug cost protection
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Medicare Enrollment Periods

Initial Enrollment Period (IEP)

7-month period that begins 3 months before you turn 65, includes your birthday month, and ends 3 months after.

Annual Enrollment Period (AEP)

October 15 - December 7 each year. Make changes to your Medicare Advantage or Part D coverage for the following year.

Open Enrollment Period (OEP)

January 1 - March 31 each year. Switch from Medicare Advantage back to Original Medicare or join a different Medicare Advantage plan.

Special Enrollment Period (SEP)

Available if you qualify due to certain life events like moving, losing other coverage, or qualifying for Extra Help.

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