Click the options below to understand what your Medicare coverage choices may include:
Medicare Part A is hospital insurance. It covers you for care in a hospital, hospice and some home health care services.
Part A is premium-free if you or your spouse have worked and paid Social Security taxes for at least 10 years. If you have worked less than 10 years, you can still get Part A. However, you will be responsible for paying a premium.
Medicare Part B is medical insurance. It covers doctor visits, outpatient surgery, physical, speech and occupational therapy, immunizations, chiropractic services, lab services and medical equipment and supplies.
You pay a monthly premium for Part B and the premium amount depends on your annual income. Learn more about Part B premiums at medicare.gov.
Important: Original Medicare Parts A and B do not cover everything. There are deductibles for Part A and Part B. And, after you pay those deductibles, generally Medicare pays 80% of covered costs and you pay 20%.
Medicare Part C is Medicare Advantage. Medicare Advantage plans are run by private insurance companies, like ConnectiCare, who are approved by Medicare. They include all of your Part A and Part B coverage plus extra benefits and services like routine care, dental services and wellness programs. Most Medicare Advantage plans also include Part D prescription drug coverage.
Compared to Original Medicare alone or with a Medicare Supplement plan, Medicare Advantage plans can be a simpler option:
It’s easy to see why more than 20 million people nationwide are enrolled in a Medicare Advantage plan!1
Column I explains how you can add to your Original Medicare coverage with a Medicare Supplement plan and/or a Part D prescription drug plan.
Column II explains how you can simplify your coverage with a Medicare Advantage plan.
1 Source: Centers for Medicare & Medicaid Services (CMS) Monthly Summary Report (Data as of July 2018)
Last update 11/26/2018