Medicare Advantage

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Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan.*


 

Medicare Supplement Insurance (Medigap)

Medicare Supplement Insurance (Medigap) helps fill the “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for most, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) Policy can help pay some of the remaining health care costs, like:

  • Copayments
  • Coinsurance
  • Deductibles*

Under Medicare Part D, prescription drug plans are available from private, Medicare-approved insurance companies, so benefits and cost-sharing structures differ from plan to plan. However, the Center for Medicare and Medicaid Services (CMS) sets minimum coverage guidelines for all Part D plans. These rules require all plans to cover medications to treat most illnesses and diseases.*


 

*For more information, visit the official Medicare website.