Confused about Medicare? We’re here to help.

Medicare is health insurance for people 65 or older. You may be eligible ot get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Some people get Medicare automatically, others have to actively sign up — it depends if you start getting retirement or disability benefits from Social Security before you turn 65. Brief synopsis of Medicare Supplement (Medigap), Medicare Advantage, and Prescription Drug Plans are below.

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Medicare 101

Getting started with Medicare

Medicare Supplements

Medicare Supplement Insurance, also known as Medigap, is a private insurance policy designed to help cover the out-of-pocket healthcare costs that Original Medicare (Part A and Part B) doesn’t pay for, such as deductibles, copayments, and coinsurance. It supplements your Original Medicare benefits and provides financial assistance for healthcare expenses, offering peace of mind and greater coverage options for Medicare beneficiaries.

Medicare Advantage Plans

Medicare Advantage Plans, often referred to as Medicare Part C, are comprehensive health insurance options offered by private insurance companies approved by Medicare. These plans provide all the benefits of Original Medicare (Part A and Part B) and often include additional services like prescription drug coverage, dental, vision, and hearing. In lieu of traditional Medicare, you receive your Medicare benefits through private insurance Medicare Advantage Plan. Medicare Advantage Plans can offer cost savings and more extensive coverage options compared to Original Medicare.

Prescription Drug Plans

Original Medicare does not include prescription drug coverage. While enrolling in Medicare Part D is optional, it can be beneficial if you require medications. Delaying your sign-up for Medicare Part D coverage upon initial eligibility may result in a late-enrollment penalty. You can secure Medicare Part D prescription drug coverage by opting for either a standalone Prescription Drug Plan (PDP) or a Medicare Advantage Plan that incorporates prescription drug coverage.