Medicare Coverage

Medicare covers services and supplies considered medically necessary to treat a disease or condition. If you're in a Medicare Advantage Plan or other Medicare plan, you may have different rules, but your plan must give you at least the same coverage as Original Medicare. Some services may only be covered in certain settings or for patients with certain conditions. The following explains what each Part covers:

Part A: Hospital Coverage

  • Hospital care
  • Skilled nursing facility care
  • Nursing home care
  • Hospice care
  • Home health services

>>Learn more about Part A

Part B: Medical Coverage

Part B covers medically necessary services and preventive services, such as:

  • Clinical research
  • Ambulance services
  • Durable medical equipment
  • Mental health
  • Getting a second opinion before surgery
  • Limited outpatient prescription drugs

>>Learn more about Part B

Part C: Medical Advantage Plans

Medicare Advantage Plans (or "MA Plans") are offered by private companies approved by Medicare (eg., HMO, PPO). If you join a Medicare Advantage Plan, you still have Medicare. You'll get your Medicare Part A and Medicare Part B coverage from the Medicare Advantage Plan and not Original Medicare.

Medicare Advantage Plans cover all Medicare services and also may offer extra coverage.

  • These plans often require you to pay copays and deductibles
  • The doctors and hospitals you go to are part of a network. If you will be traveling out of the area, you can notify your insurance company and they will provide you with a list of providers that you can use.
  • You may need a referral to see a specialist

Part C may cover:

  • Vision
  • Hearing
  • Dental
  • Health and wellness programs
  • Most include Medicare prescription drug coverage (Part D)
  • Silver Sneakers®

Part D: Prescription Drug Plan

If you have Medicare Parts A and/or B, Part D plans can be purchased separately to help cover your prescription drug costs. These plans are offered by Medicare-approved private insurers. Each plan can vary in cost and drugs covered.

  • Part D works with a Medicare supplement insurance plan, or on its own
  • You also can get Part D benefits through some Part C plans.


With Medicare, there is a $310 deductible and the plan pays 75 percent of your drug costs after that. With a traditional plan, you may have a lower copay, but you may have more out-of-pocket expense with Part D. We offer several carriers to best meet your needs. Visit our Paying for Medicare page to learn more.

Coverage Gap

Most Medicare prescription drug plans have a coverage gap (also called the "donut hole"). This means there's a temporary limit on what the drug plan will cover for drugs.

Not everyone will enter the coverage gap. The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs. In 2014, once you and your plan have spent $2,850 on covered drugs (the combined amount plus your deductible), you're in the coverage gap. This amount may change each year. Visit our Paying for Medicare page to learn more.

>>Learn more about Part D

Medicare Supplement (Medigap) Insurance

Medigap is a traditional health insurance policy that requires no networks and no referrals. It can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance and deductibles.

If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs, then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Medicare Advantage plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

You must have Medicare Part A and Part B to purchase Medigap.

Medigap plans range from those with out-of-pocket expenses to those that cover 100 percent.

>>Learn more about Medigap

Contact us for more information or for a quote.

*Information on this site’s Medicare webpages is from