![]() ![]() To learn more about your Medicare options, visit and get more information. Members that are enrolled in a Medicare Advantage plan are not eligible for a Medigap plan. These plans give you additional coverage not provided by Original Medicare. These are also offered by private insurance companies. These include supplemental insurance or Medigap plans. You may also want to consider other Medicare coverage options. We recommend you verify this before receiving care. To see these qualifications, visit .īefore enrolling in a specific plan, ensure your health care providers, pharmacies and hospitals are in that plans network. To get a Medicare Advantage plan, you simply need to qualify for Original Medicare. When you enroll into a Part D or Medicare Advantage plan, you may have an additional monthly premium. A Medicare Advantage plan that includes Part C and Part D coverage can often give you extra savings. You can get Part D on its own or by choosing a Medicare Advantage plan that includes Part D. Part D plans offer prescription drug coverage. These benefits can include dental, hearing and vision care, and fitness memberships.Īnd finally, there’s Part D. But they can include valuable extra benefits that Original Medicare doesn’t. Medicare Advantage plans are a lot like Original Medicare. Part C plans, also known as Medicare Advantage plans, are run by private insurance companies, like Aetna® Medicare. Part B usually requires a premium that can often be deducted from your Social Security checks. It covers things like doctors visits, outpatient care and home health care, medical equipment, and more. It covers things like inpatient care, home health and hospice care. ![]() Medicare Parts A and B, also known as Original Medicare, are provided by the government. However, Medicare Advantage Plans can also provide additional benefits that Original Medicare does not cover, such as routine vision or dental care.Medicare can be complicated, so here’s a simple guide to understanding Medicare Parts A, B, C and D. On the other hand, Medicare Advantage Plans typically have network restrictions, meaning that you will likely be more limited in your choice of doctors and hospitals. For instance, in Original Medicare, you are covered to go to nearly all doctors and hospitals in the country. How you choose to get your benefits and who you get them from can affect your out-of-pocket costs and where you can get your care. It is important to understand your Medicare coverage choices and to pick your coverage carefully. Each Medicare Advantage Plan must provide all Part A and Part B services covered by Original Medicare, but they can do so with different rules, costs, and restrictions that can affect how and when you receive care. This means that you must still pay your monthly Part B premium (and your Part A premium, if you have one). Remember, you still have Medicare if you enroll in a Medicare Advantage Plan. Instead of Original Medicare, you can decide to get your Medicare benefits from a Medicare Advantage Plan, also called Part C or Medicare private health plan. Unless you choose otherwise, you will have Original Medicare. Note: There are a number of government programs that may help reduce your health care and prescription drug costs if you meet the eligibility requirements. If you want prescription drug coverage with Original Medicare, in most cases you will need to actively choose and join a stand-alone Medicare private drug plan (PDP). There are limits on the amounts that doctors and hospitals can charge for your care.You typically pay a coinsurance for each service you receive.You are responsible for a monthly premium for Part B.You do not need to get prior permission/authorization from Medicare or your primary care doctor. You go directly to the doctor or hospital when you need care.You can see any doctor and hospital that takes Medicare (and most do) anywhere in the country. Under Original Medicare, the government pays directly for the health care services you receive. It is sometimes called Traditional Medicare or Fee-for-Service (FFS) Medicare. Most beneficiaries choose to receive their Part A and B benefits through Original Medicare, the traditional fee-for-service program offered directly through the federal government. Generally, the different parts of Medicare help cover specific services. Part D provides prescription drug coverage.Part C offers an alternate way to receive your Medicare benefits (see below for more information).Part B provides outpatient/medical coverage.Part A provides inpatient/hospital coverage.There are four parts of Medicare: Part A, Part B, Part C, and Part D. ![]()
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