Medicare covers many of your health care needs
different ways to get your health care and prescription drug coverage in the Medicare Program.
The Medicare plan that you choose affects many things like cost, benefits, doctor choice,
convenience, and quality. Your Medicare plan choices include:
The Original Medicare Plan
The Original Medicare Plan pays for many health care services and supplies, but it doesn’t pay all of your health care costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called “gaps” in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.
Medicare Advantage Plans – Available in many areas
- Health Maintenance Organizations (HMO),
- Preferred Provider Organizations (PPO)
- Private Fee-for-Service Plans
- Medicare Special Needs Plans
- Medicare Medical Savings Account Plans (MSA)
These plans may cover more services and have lower out-of-pocket costs than the Original
Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be
able to see certain doctors or go to certain hospitals to get covered services. Call or email for
more information on Medicare Advantage Plans.