Original Medicare includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
If you want drug coverage, you can join a separate Medicare Prescription Drug Plan (Part D).
To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage like a Medicare Supplement Insurance (Medigap) policy.
If you don’t get Part D or a Medigap policy when you’re first eligible, you may have to pay more to get this coverage later.
2. Medicare Advantage
Medicare Advantage is an “all-in-one” alternative to Original Medicare. These bundled plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more.
Plans may have lower out-of-pocket costs than Original Medicare.
In most cases, you’ll need to use doctors who are in the plan’s network.
We offer every plan available in your area. Currently we represent thirteen organizations which offer all MA and PDP products available in your area within New York State, and not all plans in other states. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.