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In all plan types, Medicare beneficiaries are always covered for emergency and urgent care. Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if the beneficiaries are in a Medicare Advantage Plan. Medicare Advantage Plans aren't considered supplemental coverage.Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage. In addition to the Medicare beneficiary's Part B premium, beneficiaries usually pay one monthly premium for the services provided. Medicare pays a fixed amount for a beneficiary's care every month to the companies offering Medicare Advantage Plans.
Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy, sold by private insurance companies, can help pay some of the health care costs ("gaps") that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If Medicare beneficiaries have Original Medicare and they buy a Medigap policy, both plans will pay their share of Medicare approved amounts for covered health care costs. Medicare doesn't pay any of the costs for a Medigap policy.
Medicare offers prescription drug coverage (Part D) to everyone with Medicare. To get Medicare drug coverage, Medicare beneficiaries must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered. Medicare Part D plans are available in all 50 states and territories. These plans provide a way to add drug coverage to Original Medicare or Medicare Supplement coverage. There are two ways to get Medicare prescription drug coverage: Medicare Prescription Drug Plans.1. These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service ("PFFS") Plans, and Medicare Medical Savings Account ("MSA") Plans.

If you are trying to figure out what the differences are in the different Medicare Choices, then this graphic will help you out. To see a bigger version of this go to Medicare Choices Made Easy
Free video guide to Medicare Plans and Options including Medicare supplement information. Important Medicare insurance and health care answers for seniors, caregivers, the elderly and those approaching retirement.
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