Consider Additional Benefits
Medicare Parts A and B (sometimes called "Original Medicare") cover basic health care needs — but you may want or need more coverage than Medicare Parts A and B provide.
If Medicare Parts A and B do not fully meet your needs, you can buy other coverage:
Medicare Advantage plans* (Part C)
These plans offer the same coverage as Medicare Parts A and B, and may include additional benefits and features like:
- Prescription drug coverage.
- Routine vision and hearing care.
- Preventive dental care.
- Health and wellness benefits, such as fitness programs.
- Nurse helplines.
- Worldwide emergency care.
Medicare prescription drug plans
Medicare Part D prescription drug plans (PDP) help pay for prescription drugs you may use. You are not automatically enrolled in Medicare Part D plans. You purchase Medicare Part D plans from private companies.
Plans vary in terms of the pharmacies you can use and the drugs covered on the formulary (drug list). Be sure to check whether your drugs would be covered.
Medicare Supplement Insurance
These plans help cover the cost sharing left by Medicare Parts A and B. You purchase this plan in addition to Medicare Parts A and B. Medicare Supplement Insurance plans help cover such costs as:
- Part A or Part B deductibles.
- Coinsurance payments and providers' excess charges.
- Cost of blood transfusions.
- Cost of additional days in the hospital after you've used up Part A benefits.
- Hospital and skilled nursing facility coinsurance.
- 24-hour nurse helpline.
- Foreign emergency medical benefits.
- Cost of some drugs that the provider must administer.
- At-home recovery.
The additional services and benefits offered through Medicare Advantage plans and Medicare Supplement Insurance vary from one plan to the next. When comparing your choices, it is important to understand what these plans do and don't cover.
Also, be aware that some additional benefits and services may require you to pay more for your coverage.
* Even though Medicare Advantage coverage replaces Medicare Parts A and B coverage, you must continue to pay your Medicare Part B premium unless it is otherwise paid for under Medicaid or by another third party.
Update Adobe Flash Player
Your current version of Flash player is not supported. Please upgrade Flash player to the latest version.