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Let’s take a closer look at the three main types of Medicare: Original, Medicare Advantage and Medicare Supplement
Original Medicare
- Provided by the federal government
- Includes Parts A & B
- Helps pay for hospitals and doctors
- No coverage for Part D prescription drugs, dental, hearing or vision
- Must pay 20% coinsurance for most services (once deductible is met)
- No limit on out-of-pocket expenses
Do I need more than Original Medicare?
It depends on your health needs and your budget. If you take prescription drugs, see specialists, or have to visit a hospital, you may wind up paying hundreds or even thousands of dollars out-of-pocket if you only have Original Medicare.
Medicare Advantage plans
- Provided by health insurance companies (like HAP)
- Must be enrolled in Parts A & B
- Helps pay for hospitals, doctors and other services (may even offer Part D prescription drug coverage)
- May include an additional monthly premium
Should I choose a Medicare Advantage plan?
Many people select Medicare Advantage plans because prescription coverage is often included and the monthly premiums are usually much lower.
Medicare Supplement plans (Medigap)
- Provided by health insurance companies
- Must be enrolled in Parts A & B
- Additional monthly premium
- Helps pay for hospitals, doctors and other services
- No coverage for Part D prescription drugs, dental, hearing or vision
Should I choose a Medicare Supplement plan?
For some people (like frequent travelers), the flexibility and benefits that come with Medicare Supplement plans can justify their typically higher premiums.
NOTE: If you choose Original Medicare, a Medicare Supplement plan, or some Medicare Advantage plans, and need drug coverage, you’ll need to purchase a separate Medicare Part D plan!