Medigap plans help fill the coverage gaps left by Original Medicare. They can help lower the out-of-pocket costs of Part A and Part B Medicare and give you more comprehensive coverage. There are ten types of Medigap plan—labeled A, B, C, D, F, G, K, L, M, and N—each offering different coverage. The plans are standardized, meaning a type C plan from one insurer will offer the same coverage as a type C plan from another insurer. Our Health Insurance Specialists can help talk you through your plan options to find the plan type that best fits your needs.

Medicare Advantage plans provide coverage equal to Part A and Part B of Original Medicare, however, your hospice care will stay covered through Original Medicare Part A even you if you enroll in a Medicare Advantage Plan. In addition to providing the same coverage as Original Medicare, a Medicare Advantage plan may provide additional benefits such as dental and vision care. Most Medicare Advantage Plans also provide coverage for prescription drugs (Medicare Part D). If you choose a Medicare Advantage plan with Prescription Drug coverage you will not need to buy an additional Part D plan.

Medicare Prescription Drug Plans, also known as Part D plans, provide coverage for your prescription drug needs. These plans work with Original Medicare and help ensure your prescription drugs remain affordable. Part D coverage is available as a stand alone plan or may be included as part of other Medicare plans. If you choose to stick with Original Medicare which does not include Part D coverage then choosing a suitable Part D plan is essential for comprehensive coverage. Even if you do not have many prescriptions right now it pays to have a plan for the future.