Questions? Call (888) 830-0855 (TTY: 711) to set up a one-on-one meeting.

What type of plan should you choose?

Ask yourself these 5 key questions

Question 1 of 5

How much health care are you likely to use each year?

If you’re expecting very high medical expenses, a Medicare Supplement plan may make the most sense. If you are generally pretty healthy, a Medicare Advantage plan, or potentially even just Original Medicare may be enough.

Question 2 of 5

How willing are you to pay higher monthly premiums in order to reduce your out-of-pocket costs?

Original Medicare has the lowest premiums, but can lead to high out-of-pocket costs. Many people select Medicare Advantage plans because prescription coverage is often included and the monthly premiums are usually much lower. For some people though (like frequent travelers), the flexibility and benefits that come with Medicare Supplement plans may justify their typically higher premiums.

Question 3 of 5

Do you travel often enough that you are likely to need health coverage away from home?

With Original Medicare you are responsible for 100% of all costs outside the United States. Medicare Advantage plans often offer worldwide coverage for emergency and urgent care. Medicare Supplement plans offer national coverage for doctors and hospitals, and may provide some coverage for health care services or supplies outside the United States.

Question 4 of 5

Are you likely to need coverage for prescription costs?

Original Medicare and Medicare Supplement plans do not include coverage for prescriptions (and therefore you may want to purchase a separate Part D prescription drug plan). Medicare Advantage plans, however, often include bundled prescription drug coverage.

Question 5 of 5

Do you want coverage for dental and vision care, or extras like wellness dollars and a fitness program membership?

Original Medicare does not include routine dental or vision coverage, or extra benefits. Medicare Advantage and Medicare Supplement plans may offer coverage options for both dental and vision care, but only Medicare Advantage plans are likely to include extras like wellness dollars and a fitness program membership.

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!

Why would I need more than Original Medicare?

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