How to Choose Medicare Coverage | AARP® Medicare Plans from UnitedHealthcare®
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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.

So how do you decide?

The Medicare Choices Worksheet may help. It lets you match your needs with the types of Medicare coverage available.

Here are some things to consider.

  • Many people who have employer or retirement health coverage enroll in just Part A. It's premium-free for most. Part A provides secondary coverage for inpatient care when you have other coverage.
  • 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.
  • 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.

Medicare Coverage Combinations

You can combine Medicare parts and plans for the coverage you want. There are seven possible combinations.


What do you want to do next?


Or learn about comparing your Medicare choices