Decide if you want prescription 

drug coverage (Part D)

  • if you want drug coverage, you must join a Medicare Prescription Drug Plan. You usually pay a monthly premium
  • If you want drug coverage, and it's offered by your Medicare Advantage Plan, in most cases, you must get it through your plan.
  • In some types of plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.

There are 2 main choices for how you get your Medicare coverage. Use these steps to decide.

  • You may want to get coverage that fills gaps in Original Medicare coverage. You can choose to buy a Medicare Supplement Insurance (Medigap) policy from a private company.
  • Costs vary by policy and company.
  • ​Employers/unions may offer similar coverage.

Note: If you join a Medicare Advantage Plan, you can't use Medicare Supplement Insurance (Medigap) to pay for out-of-pocket costs you have in the Medicare Advantage Plan.  If you already have a Medicare Advantage Plan, you cant be sold a Medigap Policy. You can generally only use a Medigap policy if you disenroll from your Medicare Advantage Plan and return to Original Medicare.

What are my Medicare coverage choices?

Decide if you want prescription

drug coverage (Part D)

Decide if you want

supplemental coverage

ORIGINAL MEDICARE
includes Part A (Hospital Insurance)
and/or Part B (Medical Insurance)

  • Medicare provides this coverage directly.
  • You have your choice of doctors, hospitals, and other providers that accept Medicare.
  • Generally, you or your supplemental coverage pay deductibles and coinsurance.
  • You usually pay a monthly premium for Part B.

Medicare Advantage

(Part C) includes BOTH Part A (Hospital Insurance) and Part B (Medical Insurance)

  • Private insurance companies approved by Medicare provide this coverage.
  • In most plans, you need to use plan doctors, hospitals, and other providers or you may pay more or all of the costs.
  • You pay a monthly premium (in addition to your Part B premium), deductible, copayments, or coinsurance for covered services.
  • Costs, extra coverage, and rules vary by plan.
  • Doctors have the ability to leave the network every 30 days.

Decide if you want Original Medicare or a Medicare Advantage Plan.