Medicare Advantage Plans

Like HMOs, PPOs and PFFs, these plans are approved by Medicare and run by private companies. When you join one of these plans, you are still in Medicare.

Some of these plans require referrals to see specialists. They provide all of your Part A (hospital) and Part B (medical) coverage. They generally offer extra benefits, and many include prescription drug coverage.

These plans often have networks, which means you may have to see doctors who belong to the plan or go to certain hospitals to get covered services. In many cases, your costs for services can be lower than in Original Medicare, but it is important to check with the plan because the costs for services will vary.

• Medicare HMO


• Medicare PPO


• Medicare PFF

Medigap (Medicare Supplement Insurance) Policies

These policies help pay some of the health care costs that Original Medicare doesn't cover. If you are in Original Medicare, you could get a Medigap policy to help cover the extra health care costs.

Medicare Prescription Drug Plans

These plans add prescription drug coverage to Original Medicare. They can be bought either as a stand alone to original Medicare or bundled together with Medicare Advantage or Medigap plans.

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