1. A Medicare Advantage Plan (like an HMO or PPO) is another way to get your Medicare coverage.  If you join a Medicare Advantage Plan, you still have Medicare.  You'll get your Medicare Part A (Hospital Insurance) coverage from the Medicare Advantage Plan, not Original Medicare.  Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies that Medicare approves.


2. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.  Medicare Supplement Insurance policies are also called Medigap policies.
   
   Insurance companies can sell you only a "standardized" policy identified in most states by letters A through D, F through G, and K through N.  All policies offer the same basic benefits, but some offer additional benefits so you can choose one that meets your needs.


3. Medicare Prescription Drug Plans.  These plans (sometimes called "PDPs" add drug coverage to Original Medicare.  Medicare Advantage Plans with prescription drug coverage are sometimes called "MA-PDs".  Remember, you must have Part A and Part B to join a Medicare Advantage Plan, and not all of these plans offer drug coverage.

(Contact Pat for an appointment to discuss the plan for your needs) - pat@medicareassurance.org or 734-679-2374)