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Original Medicare has two parts:
This covers inpatient hospital care (check with your hospital), hospice, home health care, and more.
This covers doctors visits (check with your doctor), mental health services, outpatient care, preventative services, and medical supplies.
Medicare Advantage is an all-in-one alternative way to receive your Original Medicare benefits. Medicare Advantage plans are offered by private health insurance companies approved by Medicare.
The Benefits of Medicare Advantage Plans may include:
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. 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. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Some types of insurance aren't Medigap plans, they include:
Also known as the Medicare Prescription Drug Coverage - each Medicare Part D plan has its own list of approved drugs they cover (called a “formulary”). Formularies can change each year, so it is important to check your plans annually to ensure your drug prescriptions are covered.