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

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.