Medicare Advantage Plans – Available in many areas. If you have one of these plans, you don’t need a Medigap policy. These plans include:
o Health Maintenance Organizations (HMO),
o Preferred Provider Organizations (PPO)
o Private Fee-for-Service Plans
o Medicare Special Needs Plans
o Medicare Medical Savings Account Plans (MSA)

These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services.

Medicare Prescription Drug Plans – These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans and Medicare Medical Savings Account Plans. Click here for more information on Medicare Prescription Drug Plans.

The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. To compare your Medicare Health Plan choices, go to the Medicare Options Compare. To compare Medicare Prescription Drug Plans, go to the Medicare Prescription Drug Plan Finder.