Get help choosing and enrolling in Medicare coverage

What is Original Medicare?

Original Medicare includes Part A for hospital insurance and Part B for medical insurance. You may add separate Part D drug coverage and a Medicare Supplement policy to help pay your share of covered costs.

What is Medicare Advantage?

Medicare Advantage, also called Part C, is a Medicare-approved plan from a private company. It bundles your Part A and Part B benefits, and usually Part D drug coverage, into one plan. You stay in Medicare and keep paying your Part B premium. Most plans use a network of doctors and hospitals, and some services need approval first. Medicare Advantage limits what you pay out of pocket for covered Part A and Part B services. Premiums, Part D medications and non-covered services follow separate rules.

What is Medicare Supplement insurance?

Medicare Supplement insurance, also called Medigap, helps pay certain costs left to you by Original Medicare. It has a separate premium and does not supplement Medicare Advantage.

What is Part D prescription drug coverage?

Part D helps pay for prescription drugs. It is available through separate drug plans and most Medicare Advantage plans. Your medications and pharmacy matter when comparing estimated costs.

What needs to be in place before I enroll?

Medicare Advantage requires Part A and Part B; a separate Part D plan requires Part A or Part B. You also need to meet the plan's other eligibility and enrollment requirements.

Medigap has separate buying rules. Jason can help you understand what to check before applying or replacing coverage.

Medicare.gov (search: Medigap buying protections).

Have a question about these options?

There is no cost to you for Jason's help and no obligation to enroll.

Jason Jennings is a licensed insurance agent.