WIth Medicare you have many options ...
The Original Medicare Plan
In most cases, when begin with Medicare, you are in the Original Medicare Plan. This is a fee-for-service plan managed by the Federal Government that covers many health care services. You can go to any doctor or supplier that is enrolled and accepts Medicare or to any hospital. You pay a a deductible before Medicare pays its part. Then, Medicare pays its share, and you pay your share, your copayment, for covered services, unless you have a Medigap policy or other supplemental insurance that may pay for these costs.
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Options that you should consider
• Medicare Advantage Plans
Medicare Advantage Plans are approved by Medicare and offered through private insurers. These offer extra benefits such as extra days in the hospital, low out of pocket costs for doctor visits and prescription drug coverage. When you join one of these plans, you are still in Medicare.
Examples: Anthem MediBlue, HealthNet's Ruby Plan, Aetna's Golden Plans & Connecticare's VIP Plan
• Medicare Prescription Drug Plans
A Prescription Drug Plan (PDP) provides insurance coverage for your medications. Each insurer offering a PDP has a list of the drugs they cover. It's important to find a plan that covers the drugs you are taking so as to minimize your overall drug expenses.
Examples: HealthNet Orange, Aetna Medicare Rx Plus & United Health Care AARP MedicareRx
• Medicare Supplemental Plans
Medicare Supplement plans, also known as Medigap plans, are health insurance policies sold by private insurance companies to fill "gaps" in the Original Medicare Plan. Medigap plans cover the difference between the expenses paid for by Medicare and the amount charged by a health care provider. You pay a monthly premium to the private health insurance company that sells you the policy. Medigap plans do tend to have higher monthly premiums than Medicare Advantage plans.