Explore Medicare plan types
Everyone has different health care needs—and we have health solutions for every stage of life.
Part A - Hospital Insurance
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Original Medicare Part A covers inpatient care you get at a hospital or skilled nursing facility. Sometimes, Part A covers care you get at home, too.
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Most people do not pay a monthly premium for Part A.*
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You may pay a deductible, copays, and coinsurance for your health care, unless you have a separate Medicare Supplement plan to help cover those costs.
*For most people receiving Social Security benefits
Part B - Medical Insurance
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Original Medicare Part B covers your doctor’s visits plus preventive care, ambulance services, and durable medical equipment.
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Part B is optional. You don’t have to sign up for Part B if you don’t want it.
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You usually pay a monthly premium.
For most services, you pay a yearly deductible and coinsurance, unless you have a separate Medicare Supplement plan.
Medicare can be confusing but getting to know how government-sponsored Original Medicare works is a great place is to start.
Learn more about Original Medicare
Part C - Medicare Advantage
- Medicare Advantage plans combine all of the benefits of Original Medicare Parts A and B.
- Medicare Advantage plans usually include prescription drug coverage (Part D).
- Many Medicare Advantage plans include extra benefits like dental, hearing, and vision care.
- Premiums and deductibles vary by plan.
Part D - Prescription Drug
- Medicare Part D prescription drug coverage may be included with Medicare Advantage plans (Part C).
- You can also purchase a Part D prescription drug plan by itself, or in addition to a Medicare Supplement plan.
- Premiums and deductibles vary by plan.
Medicare Supplement (Medigap)
- Medicare Supplement (Medigap) plans help pay for costs Original Medicare does not cover, like copays and coinsurance for the health care you receive.
- Most Medicare Supplement plans allow you to choose any doctor, specialist, or hospital that accepts Medicare.
- Your benefits and costs will depend on the plan you choose. Medicare Supplement plans also may factor in your age, tobacco use, and county of primary residence when you apply.