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With Medicare, you can choose different ways to obtain the services covered by Medicare. Depending on where you live, you may have different choices.
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In most cases, when you first enroll in Medicare, you are in the Original Medicare Plan. You may want to consider a Medicare Prescription Drug Plan to add drug coverage. Or, you may want to consider a Medicare Advantage Plan that provides all of your Part A, Part B, and often Part D coverage.
You usually make a choice when you are first eligible for Medicare. Each year you can review your health and prescription needs and switch to a different plan in the fall. There are things you should consider to help you meet your needs.
Medicare Advantage Plans are one of the health plan options that are part of the Medicare program. If you join one of these plans, you generally get all of your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.
To join a Medicare Advantage Plan, you must be enrolled in Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.
If you join a Medicare Advantage Plan, your Medigap policy won’t work. This means the Medigap Policy will not pay any deductibles, copayments, or other cost-sharing under your Medicare Health Plan. Therefore, you may want to cancel your Medigap policy if you join a Medicare Advantage Plan.
Things to Consider