When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get your Medicare coverage—Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people need to get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap).
Use these steps to help you decide what coverage you want:
Step 1: Decide if you want Original Medicare or a Medicare Advantage Plan (like an HMO or PPO)
Step 2: Decide if you want prescription drug coverage (Part D)
Step 3: Decide if you want supplemental coverage
In addition to Original Medicare or an MA Plan, you may be able to join other types of Medicare health plans.
You may be able to save money or have other choices if you have limited income and resources. Get help paying costs.
You may also have other coverage, like employer or union, military, or veterans’ benefits. Learn about how Medicare works with other insurance. Find out how Medicare Part D (prescription drug coverage) works with other insurance.