Medicare coverage choices
Learn about the two main ways to receive your Medicare coverage — Original Medicare or a Medicare Supplemental Coverage.
Medicare coverage plans
Medicare Advantage includes Part A benefits and Part B benefits as well as Part D (drug coverage). You can purchase a Health Maintenance Organization (HMO) or Preferred Provider Organizations (PPO), Private Fee-for- Service (PFFS) (some do not include Part D), Special Needs Plans (SNP).
Medicare Advantage Plans (Part C) cover all Part A and Part B benefits, they provide cost-sharing and include a maximum Out-of-Pocket (MOOP) expense.
Original Medicare (Part A and Part B only) does not have a cap on spending. You are still required to have a Part D or stand-alone drug plan (PD). Eligibility for Medicare starts the three months before you turn 65, the month of your birthday, and the following three months. This is for first time election only. Normal open enrollment is once a year. At that time, you are able to sign up, change plans, or go back to Original Medicare.
Starts on October 15 and ends on December 7.