Two Paths To Consider

The difference between Original Medicare and Medicare Advantage

Original Medicare 

• Original Medicare includes Part A and Part B.
• You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
• You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage.

1. Part A (Hospital Insurance)
2. Part B (Medical Insurance)
3. Purchase: Part D (Prescription Drug Plan)
4. Purchase: Medicare Supplement Insurance
5. Purchase: Dental & Vision

Part C - Medicare Advantage

• Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage.
• These “bundled” plans include Part A, Part B, and usually Part D.
• In most cases, you can only use doctors who are in the plan’s network.
• In many cases, you may need to get approval from your plan before it covers certain drugs or services.
• Plans may have lower out-of-pocket costs than Original Medicare.
• Plans may offer some extra benefits that Original Medicare doesn’t cover—like vision, hearing, and dental services.

1. Part A (Hospital Insurance)
2. Part B (Medical Insurance)
3. Most plans include: Part D (Prescription Drug Plan)
4. Some plans include extra benefits such as vision, hearing, and dental services
5. Some plans include: lower out-of-pocket costs
6. All plans include an annual maximum out of pocket amount (excludes prescription drugs)

This information comes from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.