Medicare Advantage, also known as Medicare Part C, combines coverage for hospital costs, doctor visits, and other medical services. Often Medicare Part C covers prescription drug costs as well and can include additional benefits, such as routine vision, hearing, dental, and wellness services. Medicare Part C coverage is much more extensive than Parts A and B and can provide a well-rounded coverage solution. Enrollment begins the month of your 65th birthday and ends three months afterward.

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Medicare Supplement insurance includes standardized plans, regulated by the government, that are designed to provide additional medical coverage for expenses not covered by Medicare. Medicare Supplement plans cover a number of your out-of-pocket costs, and most cover all or part of coinsurance and deductibles for hospital stays (Part A) and physician visits (Part B) under Medicare.  

For additional information, review “A Guide to Health Insurance for People with Medicare” developed jointly by the Centers for Medicare & Medicaid Services (CMS) and the National Association of Insurance Commissioners (NAIC) or “Medicare & You” the U.S. government Medicare handbook developed by CMS.

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Medicare beneficiaries have the option of enrolling in Medicare Part D to get help with their prescription drug costs and only allowed during approved enrollment periods.

Medicare Part D prescription drug coverage, often referred to as Part D, is provided and coordinated by Medicare-approved private insurance companies.

Part D is provided only through private insurance companies that have contracts with the federal government—it is never provided directly by the government (unlike Original Medicare).

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