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Learn about Medicare and explore your options when it comes to this complex subject.
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Original Medicare is the closest to the basic structure created when Medicare was signed into law in July of 1965 and the coverage you will be assigned unless you choose another option (Medicare Advantage – Part C). Delivery of Medicare benefits is divided into Part A (inpatient hospital care) and Part B (outpatient medical care). You are automatically enrolled in Part A, with premiums collected with your payroll taxes on a quarterly or yearly basis.You must actively enroll for Part B coverage and will be asked to do so in the months leading up to your 65th birthday. A separate monthly premium is charged for Part B coverage. Both Part A and Part B require you to pay for certain costs out-of-pocket or through a Medicare Supplement (Medigap) plan.
With Original Medicare, the government pays directly for the health care services you receive.
You are free to choose from any doctor, hospital, or specialist when you need care. Of course, your health care provider must accept Medicare (most do). Permission to seek care from a primary care physician is not required.
You will typically be asked to pay a coinsurance amount for the services you receive. Under Part B, you may be responsible for an annual Part B deductible and up to 20% of the Medicare allowable charge, as well as any amount in excess of the Medicare allowable charge.
Under Part A, you will be responsible for the Part A deductible, currently [$1,408] per admission in 2020. -
Medicare Advantage (Part C) is not a separate category of benefits. Rather it is another option available to you for delivery of your Medicare benefits. Under Part C, private health insurance companies provide your Medicare benefits. These private insurers contract with the federal government and control their costs in a similar manner to an HMO or PPO plan.One of the ways Medicare Advantage Plans control costs is by requiring the participant to utilize health care providers within a network in the HMO/PPO format. This can limit your ability to have coverage outside your network’s geographical boundaries. But with many national health insurance companies, travel may be less restrictive.
At a minimum, a Medicare Advantage Plan must offer the same benefits as Original Medicare but may follow different rules, payment structures, and coverage restrictions.
Medicare Advantage cannot be purchased if you have Medicare Supplement (Medigap). You must be enrolled in Medicare Part A & B to opt into a Medicare Advantage plan.
You are required to use doctors, specialists, and hospitals within the plan’s network and will be required to seek a referral to see a specialist.
You continue to pay the Part B premium required under Original Medicare. -
Medicare Supplement (or Medigap) insurance plans are private insurance purchased to pay the out-of-pocket costs required under Original Medicare. These gaps in coverage include a sizeable Part A deductible that could be your responsibility several times per year (depending on the circumstances), as well as coinsurance, copayments, and excess charges. These can add up to thousands of dollars a year in the event of a serious illness, injury, or chronic condition.Because Medicare Supplement plans work with Original Medicare, you’re free to use the doctors, hospitals, and other health care providers you prefer and are not required to seek permission from a primary care physician to seek another healthcare provider’s care. Likewise, your coverage follows you anywhere in the United States.
Depending on where you live and the insurance company, you can choose from up to 10 different standardized plans. Each plan offers a different configuration of benefits.
Medicare Supplement (Medigap) cannot be purchased if you have Medicare Advantage (Part C). Plans C and F are no longer available for purchase if you became eligible for Medicare after January 1, 2020.
While coverage across companies is the same for each standardized plan, premiums, service, and value-added features differ by company. Our local licensed Medicare agents can help you find the best option for your situation.
Wisconsin, Massachusetts, and Minnesota have different plan names.
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ORIGINAL MEDICARE (PART A & B)
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Medicare Advantage (Part C)
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Medicare Supplement (Medigap)
Original Medicare is the closest to the basic structure created when Medicare was signed into law in July of 1965 and the coverage you will be assigned unless you choose another option (Medicare Advantage – Part C). Delivery of Medicare benefits is divided into Part A (inpatient hospital care) and Part B (outpatient medical care). You are automatically enrolled in Part A, with premiums collected with your payroll taxes on a quarterly or yearly basis.
You must actively enroll for Part B coverage and will be asked to do so in the months leading up to your 65th birthday. A separate monthly premium is charged for Part B coverage. Both Part A and Part B require you to pay for certain costs out-of-pocket or through a Medicare Supplement (Medigap) plan.
With Original Medicare, the government pays directly for the health care services you receive.
You are free to choose from any doctor, hospital, or specialist when you need care. Of course, your health care provider must accept Medicare (most do). Permission to seek care from a primary care physician is not required.
You will typically be asked to pay a coinsurance amount for the services you receive. Under Part B, you may be responsible for an annual Part B deductible and up to 20% of the Medicare allowable charge, as well as any amount in excess of the Medicare allowable charge.
Under Part A, you will be responsible for the Part A deductible, currently [$1,408] per admission in 2020.
Medicare Advantage (Part C) is not a separate category of benefits. Rather it is another option available to you for delivery of your Medicare benefits. Under Part C, private health insurance companies provide your Medicare benefits. These private insurers contract with the federal government and control their costs in a similar manner to an HMO or PPO plan.
One of the ways Medicare Advantage Plans control costs is by requiring the participant to utilize health care providers within a network in the HMO/PPO format. This can limit your ability to have coverage outside your network’s geographical boundaries. But with many national health insurance companies, travel may be less restrictive.
At a minimum, a Medicare Advantage Plan must offer the same benefits as Original Medicare but may follow different rules, payment structures, and coverage restrictions.
Medicare Advantage cannot be purchased if you have Medicare Supplement (Medigap). You must be enrolled in Medicare Part A & B to opt into a Medicare Advantage plan.
You are required to use doctors, specialists, and hospitals within the plan’s network and will be required to seek a referral to see a specialist.
You continue to pay the Part B premium required under Original Medicare.
Medicare Supplement (or Medigap) insurance plans are private insurance purchased to pay the out-of-pocket costs required under Original Medicare. These gaps in coverage include a sizeable Part A deductible that could be your responsibility several times per year (depending on the circumstances), as well as coinsurance, copayments, and excess charges. These can add up to thousands of dollars a year in the event of a serious illness, injury, or chronic condition.
Because Medicare Supplement plans work with Original Medicare, you’re free to use the doctors, hospitals, and other health care providers you prefer and are not required to seek permission from a primary care physician to seek another healthcare provider’s care. Likewise, your coverage follows you anywhere in the United States.
Depending on where you live and the insurance company, you can choose from up to 10 different standardized plans. Each plan offers a different configuration of benefits.
Medicare Supplement (Medigap) cannot be purchased if you have Medicare Advantage (Part C). Plans C and F are no longer available for purchase if you became eligible for Medicare after January 1, 2020.
While coverage across companies is the same for each standardized plan, premiums, service, and value-added features differ by company. Our local licensed Medicare agents can help you find the best option for your situation.
Wisconsin, Massachusetts, and Minnesota have different plan names.
Shop and Compare 2021 Medicare Advantage Plans
Newly eligible for Medicare? Explore 2020 plans here
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What it covers
Delivers your Medicare Part A and B benefits through a private insurance company contracted by Medicare. Many utilize participating provider networks for cost control.
Find a trusted Medicare Advantage Plan in your area.
Coverage Type
Medicare Supplement
Let’s talk about coverage options in your area.
What it covers
Works with Original Medicare to pay out-of-pocket costs, such as deductibles (Part A & B), coinsurance, copayments. Not every insurance company offers all of the 10 standardized plans. We can help you find the coverage you prefer.
Let’s talk about coverage options in your area.
COVERAGE TYPE
Part D: Prescription Drug Coverage
What it covers
Medicare Part D is voluntary prescription drug coverage that you can choose to add to your Original Medicare. Many Medicare Advantage plans include Part D coverage among their benefits. For the most part, Part D plans vary by the benefits they offer and the amount you pay each year. Your selected plan will require you to use pharmacies in their network.
Find a trusted Part D Plan in your area.
Medicare Part D is voluntary prescription drug coverage that you can choose to add to your Original Medicare. Many Medicare Advantage plans include Part D coverage among their benefits. For the most part, Part D plans vary by the benefits they offer and the amount you pay each year. Your selected plan will require you to use pharmacies in their network.
Find a trusted Part D Plan in your area.
We’ll find Medicare insurance plans in your area.
Learn more about specific plans, compare plans and costs.
Let’s get you enrolled!
Shop and compare 2021 Medicare Advantage plans available in your area.
Newly eligible for Medicare? Explore 2020 plans here