A+B
Original Medicare
Medicare Parts A and B provide hospital and medical coverage directly through the federal Medicare program.
Educational Medicare resource
Speak to a Licensed Insurance Agent,
Medicare Parts A and B beneficiaries may qualify for a Special Enrollment Period to enroll in a Medicare Advantage plan if they experience certain life events, such as being New to Original Medicare, Aging into Original Medicare, On Medicare Parts A and B but have recently moved, Lost your Health Insurance. Please contact us if you've experienced a qualifying event to learn more about your Special Enrollment Period options
No obligation. Take your time understanding your options.
Understanding the basics
What are your Medicare coverage options?
Medicare coverage can be arranged in several ways. Learning how each option works can help you prepare better questions for a licensed insurance agent.
C
Medicare Advantage
Private plans contracted with Medicare combine Part A and Part B coverage and may include additional benefits.
MS
Medicare Supplement
Medicare Supplement insurance may help with certain out-of-pocket costs not paid by Original Medicare.
Side-by-side
Original Medicare and Medicare Advantage
Neither approach is automatically right for everyone. Availability, provider access, costs, and benefits can vary.
A+B
Original Medicare
Parts A & B
- Coverage administered by the federal government
- Use providers that accept Medicare
- Prescription drug coverage generally requires a separate Part D plan
- Medicare Supplement coverage may be purchased separately
C
Medicare Advantage
Part C
- Coverage offered by private insurers contracted with Medicare
- May use provider networks and referral rules
- Many plans include prescription drug coverage
- Benefits and availability vary by service area
This comparison is general educational information. Specific plan details, costs, networks, and availability vary.
Balanced view
Potential benefits and things to consider
Potential benefits
- Annual out-of-pocket limits for covered services
- Some plans may include dental, vision, hearing, or fitness benefits
- Many plans combine medical and prescription drug coverage
- One plan may coordinate several types of coverage
Things to consider
- Provider networks and service areas may apply
- Some services may require referrals or prior authorization
- Benefits, costs, and networks can change annually
- Coverage needs differ by doctors, prescriptions, and location
How it works
1
2
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Explore your options in three simple steps
Share your interests
Tell us which Medicare coverage type you want to explore.
Provide basic details
Your ZIP code helps identify options available in your area.
Speak with an agent
A licensed insurance agent can answer questions and discuss plan-specific information.
Helpful guidance
Clear information. Personal support.
“The explanations helped me understand what questions I should ask about networks and prescriptions.”
“I appreciated being able to review the basics before speaking with a licensed agent.”
“The comparison made the different coverage types much easier to understand.”
Common questions
Frequently asked questions
Is Medicare Advantage the same as Original Medicare?
No. Medicare Advantage is another way to receive Medicare-covered benefits through a private plan contracted with Medicare.
Can plan availability vary by ZIP code?
Yes. Plan availability, costs, networks, and benefits can differ by service area and may change each year.
Do all Medicare Advantage plans include prescription coverage?
No. Many do, but coverage varies. Review the plan’s specific evidence of coverage and formulary.
When can I enroll or change coverage?
Enrollment may be limited to certain periods unless you qualify for an Initial or Special Enrollment Period.
Optional next step
Request your free Medicare quote
Complete the form to request information from a licensed insurance agent associated with Your Coverage Advisor.
- No obligation to purchase
- Licensed insurance agent support
- Secure form submission
Important Medicare information
We do not offer every plan available in your area. Currently we represent 12 organizations which offer 1939 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Program (SHIP) to get information on all of your options.
Your Coverage Advisor is a marketing brand used by a third-party marketing organization and is not a licensed insurance agency. Licensed insurance agents affiliated with Your Coverage Advisor will provide plan-specific details and enrollment services.
We represent Medicare Advantage (HMO, PPO, PFFS) organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal. For a complete list of available plans please contact 1-800 MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult https://www.medicare.gov.
Not affiliated with or endorsed by the Federal Medicare Program or any government agency.
Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period or are in your Initial Enrollment Period.
MULTI-PLAN_SMID12027_C
Medicare supplement insurance is available to those age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible to Medicare due to disability or end stage renal disease.
