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What are my Medicare coverage choices?

There are 2 main choices for how you get your Medicare coverage. Use these steps to help you decide.


Decide if you want Original Medicare or a Medicare Advantage Plan

Original Medicare (includes Part A (Hospital) and/or Part B (Medical)

- Medicare provides this coverage directly

- You have your choice of doctors, hospitals, and other providers that accept Medicare

- Generally, you or your supplemental coverage pay deductibles and coinsurance

- you usually pay a monthly premium for Part B


Decide if you want prescription drug coverage (Part D)

- If you want drug coverage, you must join a Medicare Prescription Drug Plan. You usually pay a monthly premium.

- These plans are run by private companies approved by Medicare


Decide if you want supplemental coverage

- You may want to get coverage. You can choose to buy a Medicare Supplement Insurance (Medigap) policy from a private company

- Costs vary by policy and company

Medicare Advantage Plan

(Like an HMO or PPO)

Part C Includes BOTH Part A (Hospital) and Part B (Medical)

- Private insurance companies approved by Medicare provide this coverage

- In most plans, you need to use plan doctors, hospitals, and other providers or you may pay more or all the costs

-Most plans in Florida do not have monthly premium (in addition to your Part B premium) and a copayment or coinsurance for covered services

- Costs, extra coverage, and rules vary by plan


Decide if you want Medicare prescription drug coverage (Part D)

- In most cases, you can get the drug coverage through your plan

- In some types of plans, that don't offer drug coverage, you can join a separate Medicare Drug Plan

Note: If you join a Medicare Advantage plan, you can't use a Medicare Supplement to pay for out-of-pocket expenses you have in the Medicare Advantage Plan.

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