It doesn't matter if you are new to Medicare or switching plans choosing a plan can feel like a big task. However, we make it easy to compare plans, see prices, and benefits to help you determine which plan is right for you.
Medicare is a federal health insurance plan that is open to qualifying people. To get Medicare, you must be 65 or older. Younger people who have certain disabilities may qualify, and people who have end-stage kidney failure qualify. If a person is insured by Medicare, the program will pay certain health costs, depending on the type of coverage the person has.
The Medicare program can get a bit confusing, as it has several parts including Part A, Part B, Part C, and Part D. Each of these parts fulfills a different purpose, and they don’t all work together. Also, a person can choose to limit coverage to only Part A, but you’re not allowed to have only Part B or only Part D.
To make things even more difficult to keep straight, the cost of the different parts can vary greatly, anywhere from zero dollars per month to hundreds. What Medicare costs depends on the coverage being sought and where the coverage will be used. Once you understand what each part of Medicare can do for you it’s easier to sort things out and decide what you need. Often talking to a professional familiar with Medicare will help you to reach a full understanding of how Medicare works, what the different parts are, and what you need.
Get help paying for Medicare costs like deductibles, copayments, and coinsurance with Medigap plans. Choose from multiple insurance carriers. Visit any doctor, specialist, or hospital that accepts Medicare.
Combine hospital and medical insurance—and often other coverage like dental, vision, and fitness memberships—with Medicare Advantage (Part C). Choose from HMO or PPO plans to get the provider flexibility you need.
Make sure your medications are covered with stand-alone Part D Prescription Drug Plans (PDPs). Choose from a range of plans with different deductible, premium, and coverage-limit options. Have the peace of mind that medication costs won’t overwhelm you.