Medicare Advantage plans provide all the benefits of Original Medicare Parts A and B, with most also including prescription drug coverage. Explore plans available in your area today.
These plans, often referred to as "Medigap" insurance, can help cover healthcare costs that Medicare Parts A and B don't, such as coinsurance, copayments, and deductibles.
Original Medicare doesn’t cover prescription drugs, so you may want to consider a stand-alone Medicare Part D plan to help reduce your costs.
Medicare can be confusing and overwhelming for many, but we simplify it with clear, straightforward explanations. Our services and expertise are always free. Learn more about us and how we can help clicking the button below!
Original Medicare is a traditional 80/20 health plan in which the government covers 80% of costs, and you are responsible for 20%.
There are no networks with Original Medicare, allowing you to see any doctor and visit any hospital in the United States that accepts Medicare.
Original Medicare can be paired with a Medicare Supplement Plan.
Plans like Medigap Plan F, Plan G, and Plan N will cover your 20% share that is not paid by the government.
Both the Mayo Clinic and Barrow Neurological Center in Phoenix accept Original Medicare but do not accept any Medicare Advantage plans.
Medicare Part C, also known as Medicare Advantage, typically includes HMO or PPO plan types.
These plans are offered by private insurance companies and are not part of the United States government, unlike Original Medicare.
Medicare Advantage plans have networks that you must use, and most HMO plans include prescription drug coverage, while many PPO plans do not.
You will be responsible for co-pays and co-insurance, and each plan has a maximum out-of-pocket expense (MOOP) that ranges from $2,800 to $7,500. Medicare Advantage (MA/MAPD) plans will cover costs only after you reach your MOOP.
Additionally, you must select a new plan each year. If you are considering a Medicare Advantage plan, be sure to thoroughly read and review both the Summary of Benefits and the Explanation of Benefits for every plan you’re considering.
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