With Medicare, you can choose how you get your health and prescription drug coverage. Below are brief descriptions of your coverage choices.  Original Medicare • Run by the Federal government. • Provides your Part A and Part B coverage. • You can join a Medicare Prescription Drug Plan to add drug coverage. • You can buy a Medigap (Medicare Supplement Insurance) policy (sold by private insurance companies) to help fi ll the gaps in Part A and Part B coverage (like coinsurance, copayments, and deductibles).

Medicare Advantage Plans (like an HMO or PPO) • Run by private insurance companies approved by Medicare. • Provide your Part A and Part B coverage, but can charge diff erent amounts for certain services. May off er extra coverage and prescription drug coverage for an extra cost. Costs for items and services vary by plan. • If you want drug coverage, you must get it through your plan (in most cases). • You don’t need a Medigap policy.