To understand how Medicare works, it’s essential to become familiar with the different types of coverage that are part of the program and the services they typically provide.

Original Medicare is the traditional plan based on the fee-for-service model. It is divided into two parts: Part A, which covers hospital services, and Part B, which covers outpatient medical care. With this plan, you have the freedom to see any provider, hospital, or medical facility that accepts Medicare and is taking new patients.

Medicare Advantage (or Part C) is an alternative offered by private insurers, such as ours. These plans include all the benefits of Parts A and B and, in many cases, add extra services not available through Original Medicare, such as dental, vision, or hearing coverage.

Medicare Part D provides optional coverage for prescription drugs. It is available to all people enrolled in Medicare and is offered by private companies, either as a standalone plan or as part of certain Medicare Advantage plans.

Medicare Supplement Insurance, also known as Medigap, consists of plans provided by private insurers like ours. Its purpose is to help cover the costs that Original Medicare does not pay for, such as deductibles, copayments, and coinsurance, giving you added financial protection.