Medicare Supplement plans are also called Medigap. They are designed to work with Original Medicare Parts A and B. They help pay for some health care costs not covered by Original Medicare, such as deductibles and coinsurance. You must have Medicare Parts A and B to qualify for a Medicare Supplement plan. These plans are offered by private insurance companies in your state. People with Original Medicare and a Medicare supplement can choose from any of the stand alone Part D prescription plans to pay for their drugs.
Note: you can’t enroll in both a Medicare Supplement plan and a Medicare Advantage plan.
All reference material found on this page is sourced from www.medicare.gov.
When you have a Medicare Advantage Plan (Part C) you are leaving original medicare and privatizing your health coverage.
Medicare Advantage Plans must cover all of the services that Original Medicare and will also cover additional items.
In all types of Medicare Advantage Plans, you're always covered for emergency and urgently needed care. The plan can choose not to cover the costs of services that aren't medically necessary under Medicare.
Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).
Original Medicare covers hospice care even if you're in a Medicare Advantage Plan.
If you're not sure whether a service is covered, check with your provider or health plan provider before you get the service.
We can walk you through all of the plan options currently available.
What drug plans cover
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary).
Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost. A drug in a lower tier will generally cost you less than a drug in a higher tier.