Medicare Plans

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1.) Medicare Supplement or GAP plans:   Original Medicare pays for much, but not all, of the cost for health care services and supplies.  Medicare Supplement Insurance policies, sold by private companies can help pay for the remaining health care costs, like copayments, coinsurance and deductibles.  There is a monthly premium for these type of plans.

2.) Medicare Advantage Plans:  A Medicare Advantage plan (like an HMO or PPO) is another way to get your Medicare coverage.  Medicare Advantage Plans, sometimes called “Part C” or MA plans are offered by Medicare-approved private companies that must follow rules set by Medicare.  Most Advantage plans offer extra coverage and include prescription drug coverage.  Some plans do not charge a monthly plan premium.

3.) Medicare Part D (Rx Plans):  These plans add drug coverage to Original Medicare.  You must have Part A and/or Part B to join a Medicare Prescription Drug plan.

4.) Medicaid Plans (Dual Plans):  You are eligible for Dual Special Needs Plan (DSNP) if you’re enrolled in Original Medicare Parts A and B and receive state Medicaid benefits.

5.) Low Income Assistance:  If  you have limited income and resources, you may qualify for help to pay for some health care and prescription costs.

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