Medicare Coverage Choices | AARP® Medicare Plans from UnitedHealthcare®

Medicare Coverage Choices

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You have two ways to get Medicare.

You can get coverage through Original Medicare (Parts A and B) or Medicare Advantage (Part C). No matter which way you decide to go, you first need to enroll in Medicare.

Once you're enrolled, you have other decisions to make.

Step 1

Enroll in Original Medicare when you become eligible

Original Medicare

Covers hospitals stays


Covers doctor and outpatient visits

Government provided

Step 2

If you want additional coverage, you have choices


Keep Original Medicare and add
Medicare Supplement Insurance

Helps with some of the out-of-pocket expenses not paid by Medicare Parts A & B

Offered by private companies


Medicare Part D

Covers medications your doctor prescribes

Offered by private companies

Enroll in a Medicare Advantage plan
Medicare Advantage (Part C)

Combines Parts A & B and may cover prescription drugs

Additional benefits
If your Part C plan doesn’t cover prescription drugs, consider enrolling in a Part C plan that does

Offered by private companies

If you enroll in a Medicare Advantage plan, you can't be sold Medicare Supplement Insurance.

How Medicare parts and plans work together

As the chart shows, you can combine different Medicare parts and plans to meet your specific needs. Your choices depend on which path you take—Original Medicare or Medicare Advantage.

Many people who choose Original Medicare add prescription drug coverage (Part D) and Medicare Supplement Insurance, but it's not required. Most Medicare Advantage plans include this coverage plus additional benefits like routine vision and hearing coverage—all in one plan.

If you have a Medicare Advantage Private Fee-for-Service plan (PFFS)    that does not include prescription drug coverage, you can buy a standalone Part D prescription drug plan.

What do you want do next ?


Or learn about your Medicare costs