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
  • 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.

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

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.

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

  • 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.

What are my Medicare coverage choices?

Decide if you want prescription

drug coverage (Part D)

Decide if you want

supplemental coverage

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.