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Reviewing Your Medicare Options

Even though there are many Medicare plans available, there are just two paths to find the right coverage. You can pair Original Medicare with other Medicare plans to get the coverage you need. Or you can choose the all-in-one-coverage of a Medicare Advantage Prescription Drug plan.

Reviewing Your Medicare Options

Different plans meet different needs

Everything starts with Original Medicare. You can choose to have only that coverage, but adding other Medicare options may give you more benefits. And it may help manage your out-of-pocket costs. Here are ways you can enhance Original Medicare, along with some pros and cons to compare.

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Original Medicare

Pros:

  • Low monthly premium
  • Can see any doctor who accepts Medicare

Cons:

  • Out-of-pocket costs for coinsurance, copays, and deductibles
  • Out-of-pocket costs for prescription drug coverage
  • No added benefits like vision, dental and hearing
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Original Medicare

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Medicare Supplement Insurance Plan

Pros:

  • Can see any doctor who accepts Medicare
  • Covers some of the coinsurance, copays, and deductibles Original Medicare does not

Cons:

  • Out-of-pocket costs for prescription drug coverage
  • May not have option to add additional benefits like vision, dental and hearing
hospital icon doctors icon

Original Medicare

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Prescription Drug Plan

Pros:

  • Can see any doctor who accepts Medicare
  • Low out-of-pocket costs for prescription drugs

Cons:

  • Out-of-pocket costs for coinsurance, copays, and deductibles
  • No added benefits like vision, dental and hearing
hospital icon doctors icon

Original Medicare

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supplement plan icon

Medicare Supplement Insurance Plan

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Prescription Drug Plan

Pros:

  • Can see any doctor who accepts Medicare
  • Lower out-of-pocket costs for prescription drugs
  • Covers some of the coinsurance, copays and deductibles Original Medicare does not

Cons:

  • Must pay monthly premiums for each plan
  • May not have option to add additional benefits like vision, dental and hearing

Beyond Original Medicare:
Easy-to-use Medicare Advantage plans

With a Medicare Advantage plan, you’ll still pay your Part B premium. But you won’t use your red, white and blue Original Medicare card to get care. Instead, you’ll present your all-in-one Medicare Advantage card to get access to the care and benefits you need.

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Medicare Advantage (Medicare Part C)

Pros:

  • Low monthly premium
  • Low out-of-pocket costs
  • Many plans include added benefits like vision, dental, hearing, and more
  • Most plans include prescription drug coverage

Cons:

  • May need to see in-network providers and hospitals to maximize savings

Now let’s talk about your needs and
which combination is right for you

Sometimes you just want someone to spell out the exact right combination for you.

IMPORTANT: Some companies, labor unions, and public entities offer Group Medicare plans to their retirees. If you are eligible for a Group Medicare Plan some of this information may not apply to you. Please ask your employer or benefit administrator about your Medicare options, eligibility, and enrollment information.

Get Your Medicare Timeline

Answer a few simple questions and we’ll provide you with a personalized timeline. You’ll also receive reminders with important information and actions you can take to stay on track as you near your Medicare eligibility.

Create My Timeline →

Compare, Choose and Enroll

Get started with your member login. Verify your information and see personalized recommendations based on lowest cost and most comprehensive coverage. Compare your options, contact an agent and enroll, all in one easy-to-use tool.

Help Me
Choose

Questions? Let us help.

As our valued member, you have access to exclusive resources and assistance. We’re here to help you make a smooth transition to Medicare. Call us to learn more.

1-800-000-0000 (TTY 711)

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