How Medicare Insurance Works

Initially, Medicare has two “parts”, Medicare Parts A & B. However, there are a few "add-ons" you can utilize to maximize your Medicare insurance. Understanding what each covers will help to ensure you get the coverage you need.

Medicare Part A

Medicare Part A - Hospital Services

(Hospital Insurance)

Part A is the first part of “Original Medicare” coverage. It helps pay for inpatient hospital services, skilled nursing facility expenses, hospice and certain home health care costs. For most people, there will be no premium if you or your spouse paid Medicare taxes while working. Learn more

Medicare Part B

Medicare Pat B - Doctor Services

(Medical Insurance)

Part B is the second part of “Original Medicare”. It helps cover doctors’ services, outpatient care and certain home health care expenses. Part B can also help with the cost of certain preventative services to help you maintain your health. Your Part B premium will depend on your income. Learn more

Medicare Insurance Options

Medicare Advantage Plans

Medicare Part C - Medicare Advantage Plans

Medicare Advantage Plans

(Medicare Part C)

Choosing a Medicare Advantage Plan allows you to receive all of your health care services through a private insurance carrier instead of having coverage directly under Medicare. These medicare insurance plans can also provide additional health benefits, such as prescription drug coverage, dental and vision. This plan tends to be the most popular because all of the health benefits are under one carrier, just like traditional health insurance. Learn more

Prescription Drug Plans

Medicare Part D - Prescription Drug Coverage

Prescription Drug Plans

(Medicare Part D)

Part D is standalone prescription drug coverage that helps cover the cost of prescription drugs and may even help protect against higher costs in the future. It is run by private insurance companies approved by and contracted with Medicare. Learn more

Medicare Supplement Plans

Medicare Supplement - Medigap Plans

Medicare Supplement Plans


Medicare Supplement Plans, also referred to as “Medigap” policies, are private health insurance plans designed to supplement, or bridge the coverage gaps left by Original Medicare. These plans can only be used with Medicare Parts A & B. You cannot enroll in a Medigap plan if you currently have a Medicare Advantage plan. Learn more

Choose The Right Medicare Insurance Plan

There's a lot to consider when it comes to making choices about your medicare insurance, so finding a plan for your needs both now, and in the future, is very important. You will have many questions, and rightfully so, because Medicare is complicated. This is where can help. We start with the basics of Medicare insurance because the better you understand how Medicare works, the more likely you are to choose a plan that suits your needs. With, you can browse Medicare insurance plans online, or call us to get more personalized assistance.

Medicare. Made Clear

  • When am I eligible for Medicare? How and when do I sign up?
  • What is Original Medicare?
  • What is a Medicare Advantage Plan? How is it different from Original Medicare or a Medicare Supplement (Medigap) Plan?
  • What is a Medicare Rx Plan (Medicare Part D)? Do I need to have it?
  • Which Medicare insurance plan has the best coverage for me?
  • Are my doctors, hospitals and prescriptions covered?
  • Are there any plans with low or no monthly plan premiums?
  • How does Obamacare impact my Medicare coverage?
Medicare Insurance Help

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