Abstract Background


Medicare Supplemental Insurance (Medigap)

Medicare supplement insurance fills in the gaps between what Medicare pays and what you must pay for out‐of‐pocket deductibles, coinsurance and copayments, and is a critical part of an overall insurance plan. You are eligible for Medicare as long as you’ve contributed through your FICA taxes and are 65 or older, regardless if you are retired or not.

Medicare Advantage Plans

These plans are approved by Medicare and are managed by private companies. When you choose a Medicare Advantage Plan, you are still covered by Medicare. The plan will provide all of your Part A (hospital) and Part B (medical) coverage. It generally offers extra benefits, and many include prescription drug coverage. These plans often have networks, which means you may have to see doctors who belong to the plan or use certain hospitals to get covered services. Some of the plans will require referrals to see a specialist. In many cases, your costs for services can be lower than the original Medicare, but it is important to review and understand the Medicare Advantage Plan because costs for services will vary.

Medicare Prescription Drug Plans

These types of plans add prescription drug coverage to the original Medicare, some Medicare Cost Plans, some Medicare Private Fee‐for‐Service Plans, and Medicare Medical Savings Account Plans.

Medicare Prescription Drug Plans are offered by insurance companies and private companies approved by Medicare. Generally with a Medicare Prescription Drug Plan, you pay less for your prescriptions.

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