Making Your Medicare Coverage Decisions

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Choose Medicare coverage to fit your needs.

There's no "one size fits all" when it comes to Medicare. You need to look for a good fit for you.

So how do you decide?

The Medicare Choices Worksheet may help. It lets you match your needs with the types of Medicare coverage available. This is a good first step toward making an informed Medicare decision.

Part A, Part B or Both

Your first decision is whether to enroll in both Part A and Part B during your Initial Enrollment Period. Many people who have employer or retirement health coverage enroll in just Part A. It’s premium-free for most, and it provides secondary coverage for inpatient care.

Part B has a premium. It can make sense to hold off on it when you have other coverage. You can get Part B later without penalty, as long as you qualify for a Special Election Period.

Be sure to talk to your current plan administrator to find out how your coverage can work with Medicare.

Original Medicare or Medicare Advantage

If you enroll in both Part A and Part B, then you can choose either Original Medicare or a Medicare Advantage plan (Part C). Based on that decision, you will have other decisions to make.

Many people add a Medicare Part D prescription drug plan and a Medicare Supplement Insurance plan to Original Medicare. Most Medicare Advantage plans have Part D and additional coverage built in. You need to weigh the coverage and costs of different options to decide what's best for you.

Coverage Combinations

Remember that you can combine certain parts and plans to get the coverage you need. There are seven possible combinations.


It's important for people with group retirement or other types of coverage to speak to their plan benefits administrator before making any decisions about Medicare coverage.

What do you want to do next?

 

Or learn about comparing your Medicare choices