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Medicare Part A
Medicare Part A insurance helps pay for “medically necessary” care when you’re sick or have a medical condition that requires an inpatient stay in the hospital. It also helps pay for a stay in a skilled nursing facility as a follow-up to a hospital stay, hospice care for the terminally ill, some skilled home health care for the homebound, and some blood transfusions. Learn More

Medicare Part B
Medicare Part B insurance helps pay for a variety of “medically necessary” care for illnesses or medical conditions. This includes services like doctor visits, care in hospitals and clinics when you are not admitted for an inpatient stay, laboratory tests and some diagnostic screenings, and some skilled nursing care at home, if you’re homebound. Part B also covers most doctor services you receive as a hospital inpatient, while some other hospital services are covered by Part A. Part B is voluntary, but most people sign up when they first become eligible. Learn More

Med Supp
Med Supps are a type of insurance plan that fills the gaps left by Original Medicare. This type of insurance is designed to supplement your basic benefits to give you the best health care coverage available. Medigap plans are also referred to as Medicare Supplement Insurance plans. You are still required to enroll in both Medicare Part A and Medicare Part B and purchase a Medicare Part D prescription drug plan. Medigap provides the most flexibility. You have no network limitations, which means as long as your provider accepts Medicare you can use the doctor, clinic, or hospital of your choice.

Medicare Part C
Medicare Part C plans are usually referred to as “Medicare Advantage” (MA) plans. All Medicare Advantage plans are run by private companies and generally limit the patient to their network of Physicians, Clinics, and Hospitals. You may also be required to get referrals for specialists. Medicare Advantage plans may appear to be lower in cost if you focus on the premiums only other than overall cost from year to year. You could end up paying higher out-of-pocket costs throughout the year. In most cases a Medicare Advantage plan also provides limited coverage if you travel out of state. You can enroll or change your MA plan once a year, during the Annual Enrollment Period also called the AEP. After the AEP you get one chance to dis-enroll from the plan known as the Annual Disenrollment Period or ADP. Once the ADP has passed you are locked in to the plan until the next AEP. Learn More

Medicare Part D
Medicare Part D helps pay for your prescription drugs. Medicare Part D coverage is not automatic. You need to decide whether you want to enroll in a Medicare Part D plan. If you delay signing up after you are eligible you may pay a penalty on your premium, unless you qualify for an exception. Prescription drug coverage is an insurance policy purchased from private companies called a prescription drug plan (PDP). Plans vary by cost and by their formulary, or list of specific drugs covered. Learn More