Helping you find the right Medicare coverage today!

There are four different parts to Medicare that each cover certain services for people who qualify: hospital insurance (Part A), medical insurance (Part B), the Medicare Advantage program (Part C), and prescription drug coverage (Part D). Those who qualify can opt for coverage through Original Medicare or through (Medicare Advantage).

Medicare supplement plans (or Medigap plans) offer benefits in addition to the benefits offered by Original Medicare Parts A and B, and they are offered by private insurance companies. There are several different types of Medicare supplement plans available, including Plan A, Plan C, Plan F, Plan M and Plan N. Medicare supplement plans and Medicare Advantage plans are not complementary, so it is important to understand which type of policy makes the most sense for you. Our Medicare agents are standing by to walk you through a comparison of the costs and benefits of each type of plan, and to help you choose a Medicare supplement plan or Medicare Advantage plan that best meets your needs.

Part A
  • Hospital – Original Medicare
  • Typically, no Premium
  • No deductible
Part B
  • Medical – Original Medicare
  • Monthly Premium
  • For many services, an annual deductible applies and you pay 20%
Part C
  • Medicare “Advantage” Plans
  • Through health plan carriers
  • Advantages (additional benefits)
Part D
  • Prescription Coverage
  • Through prescription carriers

You have two options for coverage in addition to Parts A and B:

First Option:

Medicare Advantage Plans (Part C)

1. Covers Part A, Part B, and many include Part D of Medicare

2. All plans approved by Medicare

3. Premiums per month

4. “Advantages” (additional benefits like coverage for preventative care, routine vision coverage, and fitness programs)

5. Available through national/regional carriers

6. Most plans include prescription coverage

Second Option

Supplement or Medigap Plans

1. Covers Part A and B only – Need to buy Part D

2. Plans are standardized by Medicare

3. Premiums start at about $110 per month

4. Available through insurance companies

Medicare Prescription Coverage (Part D)

1. Available as stand-alone prescription drug plans or Medicare Advantage and Prescription Drug plans

2. Different plans and co-pay levels

3. Plans may have deductibles

4. Plans may cover generics in the “gap”

5. Available at pharmacies or through the mail order*

*This does vary by plan.