Medicare Advantage
All-in-one coverage that goes beyond Original Medicare
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They include all the benefits of Original Medicare (Part A and Part B) and usually include prescription drug coverage (Part D). Many plans also offer extra benefits that Original Medicare doesn't cover.
Explore Medicare AdvantageKey Features
- $0 premium options available in many areas
- Hospital, medical, and usually drug coverage in one plan
- Extra benefits: dental, vision, hearing, and fitness
- Annual out-of-pocket spending cap for financial protection
- Care coordination and wellness programs
- Telehealth and virtual care options
Ideal for those who want bundled coverage with extra benefits and predictable costs. Best for people who are comfortable using a provider network.
Medicare Supplement
Fill the gaps in Original Medicare coverage
Medicare Supplement insurance (also known as Medigap) helps pay for some of the out-of-pocket healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. These plans are standardized by the federal government.
Explore Medicare SupplementKey Features
- Freedom to see any doctor that accepts Medicare, nationwide
- No referrals needed for specialists
- Guaranteed renewable — can't be cancelled as long as you pay premiums
- Standardized plans (A, B, C, D, F, G, K, L, M, N) for easy comparison
- Travel emergency coverage on some plans
- Predictable out-of-pocket costs
Perfect for people who travel frequently, want to see any doctor or specialist without referrals, and prefer predictable out-of-pocket costs.
Prescription Drug Plans
Get help covering the cost of your medications
Medicare Part D plans are offered by private insurance companies approved by Medicare. They help cover the cost of prescription drugs, including many recommended vaccines. Each plan has a formulary — a list of covered drugs — that includes both brand-name and generic medications.
Explore Prescription Drug PlansKey Features
- Coverage for brand-name and generic medications
- Mail-order pharmacy options for convenience
- Coverage in the gap (donut hole) phase
- Catastrophic coverage for high drug costs
- Wide pharmacy network including major chains
- Medication therapy management programs
Designed for people enrolled in Original Medicare (with or without a Medigap plan) who need help covering prescription drug costs.
Special Needs Plans
Specialized coverage for specific health situations
Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for people with specific diseases or characteristics. These plans tailor their benefits, provider networks, and drug formularies to best meet the specific needs of the groups they serve.
Explore Special Needs PlansKey Features
- Tailored benefits for chronic conditions (diabetes, heart disease, etc.)
- Dedicated care coordination team
- Model of care designed for your specific needs
- May include extra benefits for disease management
- Specialists who understand your condition
- Integrated care approach for better outcomes
Available to people who are eligible for both Medicare and Medicaid, live in certain institutions, or have severe or chronic health conditions.