Understanding Your Medicare Options
Medicare Advantage
Medicare Advantage plans combine Medicare Part A and Part B coverage through a private Medicare-approved plan. Many plans also include additional benefits such as dental, vision, hearing and fitness programs.
Medicare Supplement (Medigap)
Medicare Supplement plans, also called Medigap, can help pay some of the out-of-pocket costs that Original Medicare doesn't cover. Different standardized plans offer different levels of coverage, so it's important to compare your options carefully.
Prescription Drug Plans
Prescription Drug Plans help cover the cost of prescription medications. If you have Original Medicare, you can add a Medicare Part D plan. Many Medicare Advantage plans include prescription drug coverage. Going without creditable prescription drug coverage may result in a late-enrollment penalty.
Original Medicare
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Part A is usually available without a monthly premium for people who qualify, while Part B generally has a monthly premium. You can add a Medicare Supplement (Medigap) plan to help with certain out-of-pocket costs, and a separate Part D plan for prescription drug coverage.
Medicare & Medicaid
If you have both Medicare and Medicaid, you may qualify for plans designed to coordinate your coverage and provide additional benefits. Eligibility and benefits vary, so I can help you understand your options.
Medicare Enrollment
If you’re becoming eligible for Medicare at age 65, your Initial Enrollment Period generally begins three months before your 65th birthday month, includes your birthday month, and continues for three months afterward. I can help you understand when to enroll and what steps to take.