Enroll in Original Medicare
Which includes hospital stays (Part A) and doctor visits (Part B) Original Medicare pays for 80% of all services related to Parts A & B after the A & B deductibles are met. You are responsible for the remaining 20%
Medicare Advantage Medicare Part C or Medicare Advantage. Medicare Advantage plans to combine Part A and Part B benefits into one plan. Most include prescription drug coverage Part D and offer additional benefits (vision, dental, hearing, etc) as well, often with no monthly premium. Medicare Advantage plans are offered by private insurance.
Are designed for people with specific health care needs, including nursing home residents, those with chronic conditions, and people who are eligible for both Medicare and Medicaid. May provide care managers or nurse practitioners to help members get the care they need. Usually have plan-specific eligibility requirements.
Medicare supplement insurance, or Medigap, is private insurance that helps pay for some of the out-of-pocket costs not paid by Original Medicare (Part A and Part B). Supplement plans are medically underwritten, based on age and health to determine eligibility and monthly premiums. There are ten plans standardized by the federal government. Each is labeled with a letter. All plans with the same letter offer the same benefits. Massachusetts, Minnesota, and Wisconsin have different plans.