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Medicare Solutions

Medicare Supplement & Medicare Advantage

Medicare Supplement

Original Medicare includes Medicare Part A (hospital insurance) and Medicare Part B (Medical Insurance). You can join a separate Medicare drug plan to get Medicare Drug Coverage (Part D).

You can also add supplement coverage, which includes Medicare Supplement Insurance (medigap).

Medicare Advantage

Medicare advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These "bundled" plans  include Part A, Part B, and usually Part D. Some plan may offer additional benefits that Original Medicare doesn't cover - like certain vision, hearing, and dental services. 

Each year, it’s important to review your Medicare health and drug coverage to make sure it still meets your needs, and decide if you want to make a change. You don’t need to sign up for Medicare each year, but you should still review your options.

*Medicare and You 2024, CMS. 

Types of Medicare Supplements and Advantage Plans

Medicare Supplement (Medigap) 

Plans offering a supplemental policy to fill “gaps” in Original Medicare coverage. A Medigap policy typically pays some or all of the deductible and coinsurance amounts applicable to Medicare-covered services, and sometimes covers items and services that are not covered by Medicare, such as care outside of the country. These plans are not affiliated or connected to Medicare.

Dental/Vision/Hearing

Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected to Medicare.

Part D 

Medicare Prescription Drug Plan (PDP) — A stand-alone drug plan that adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.

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