When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare:
- Original Medicare. Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
- If you want drug coverage, you can join a separate Part D plan.
- Supplemental Coverage (Medigap) can be purchased to help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance).
- Can use any doctor or hospital that takes Medicare, anywhere in the U.S.
- Medicare Advantage (also known as Part C)
- Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
- Plans may have lower out-of-pocket costs than Original Medicare.
- In most cases, you’ll need to use doctors who are in the plan’s network.
- Most plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, dental, and more.
Ralph BredahlLicensed Insurance Broker Contracted to Sell Medicare Products in Arizona Since 2007
As an Arizona Independent Medicare Broker, I proudly represent many of the companies available in Arizona; as a Medicare Salesman, I am compensated by the companies that I represent so there is never a cost to you for my personalize services.