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What are Medicare Supplement Insurance (Medigap) Policies?

Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Medicare Supplement Insurance policies are also called Medigap policies. Some Medigap policies also offer coverage […]

What Is Special Enrollment Period (SEP)?

A Special Enrollment Period is a period of time when an individual can join or switch Medicare Part D or Medicare Advantage plans outside of the annual Open Enrollment Period (also called the OEP or Annual Election Period or AEP).  The annual Open Enrollment Period for Medicare Part D and Medicare Advantage plans begins each […]

What Is AEP?

For Medicare Advantage (also known as Medicare Part C) and Medicare prescription drug plans, there’s an Annual Election Period (AEP) when you can sign up for, change, or disenroll from the plan. The AEP runs from October 15 to December 7 each year.

What Is Extra Help?

Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. … To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia. Information on the Extra Help program. Extra Help with Medicare […]

What is Medicare Part D?

Medicare Part D, also called the Medicare prescription drug benefit, is a United States federal-government program to subsidize the costs of prescription drugs and prescription drug insurance premiums for Medicare beneficiaries.

What Does A Medicare Advantage Cover?

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgently needed care. The plan can choose not to cover the costs of […]

What’s a Medicare health plan?

Generally, a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, and Demonstration/Pilot Programs. Programs of All-inclusive Care for the Elderly (PACE) organizations are special types […]

Are prescription drugs covered?

No, with a few exceptions, most prescriptions aren’t covered. You can add drug coverage by joining a Medicare Prescription Drug Plan (Part D).

Can I get my health care from any doctor, other health care provider, or hospital?

In most cases, yes. You can go to any doctor, other health care provider, hospital, or other facility that’s enrolled in Medicare and accepting Medicare patients. Visit to search for and compare health care providers, hospitals, and facilities in your area.

What Is Original Medicare?

Original Medicare is one of your health coverage choices as part of Medicare. You’ll have Original Medicare unless you choose a Medicare Advantage Plan (like an HMO or PPO). Original Medicare is coverage managed by the federal government. You generally have to pay a portion of the cost for each service covered by Original Medicare.

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