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TYPES OF MEDICARE PLANS
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Types of Medicare Plans

Choosing the right Medicare plan is easier once you learn about the different types of coverage.

There are two types of Medicare coverage: (1) Medicare Part A and Part B and (2) Private Medicare Insurance.

Medicare Part A and Part B:

Medicare Part A and Part B is offered by the federal government. It provides basic inpatient and outpatient health coverage. You must be 65 years or older to be eligible. You must be 65 years or older to be eligible, or you must have a qualifying disability.

Some individuals who need frequent medical care find that out-of-pocket costs may be unaffordable with Medicare Part A and Part B alone. That’s because Medicare Part A and Part B does not have a limit or cap on out-of-pocket costs.

Medicare Part A and Part B also provides prescription drug coverage only to those under inpatient care. In other words, those who regularly take prescription medication might end up paying for some of their drug costs out of their own pocket. Additionally, Medicare Part A and Part B does not provide coverage for dental, vision, certain long term care, health care when traveling overseas, and other benefits.

Learn more about Medicare Part A and Part B here.

Private Medicare:

Private Medicare insurance is a great way to lower your out-of-pocket costs and get additional health care benefits. In other words, Private Medicare Insurance may help provide additional coverage where Medicare Part A and Part B do not provide coverage.

There are three types of Private Medicare plans:

1) Medigap

2) Medicare Advantage

3) Medicare Part D.

Medigap plans, also known as Medicare Supplement plans, are purchased in addition to your Medicare Part A and Part B coverage. These plans may lower your out-of-pocket costs. Most Medigap plans will also pay for your out-of-pocket costs when visiting the doctor, or that 20% of costs that Medicare Part A and Part B Part B does not pay. Many Medigap plans also offer additional benefits, such as long term care, or coverage for emergency medical services when traveling overseas. In turn, Medigap plans have monthly premiums that must be paid for coverage. Learn more about Medigap plans here.

Medicare Advantage plans offer the same benefits that Medicare Part A and Part B offers, and also provides additional coverage as well. This is why Medicare Advantage plans replace, instead of complement, Medicare Part A and Part B plans. Additional coverage varies depending on the insurer and the plan. For this reason, Medicare Advantage may feel similar to the HMO and PPO plans you may have previously had through an employer. Medicare Advantage plans may help to lower your out-of-pocket costs. Additionally, and unlike Medicare Part A and Part B, Medicare Advantage plans place a limit on your total out-of-pocket costs. However, many plans may have substantially lower limits. Learn more about Medicare Advantage plans here.

Medicare Part D plans provide you with full prescription drug coverage. Medicare Part A and Part B only includes prescription drug coverage when hospitalized. It does not cover prescription drugs obtained at the pharmacy or through the mail. For those who regularly take prescription medication, it is recommended to purchase a Medicare Part D plan. These plans can be purchased as a standalone plan -- to be used alongside Medicare Part A and Part B or with Medigap - or they can be included within a Medicare Advantage plan. Learn more about Medicare Part D plans here.

To start comparing Medigap, Medicare Advantage, and Part D plans, please submit your zip code to begin the process. You can also call (833) 596-1919 TTY users 711  Mon - Fri: 6am - 5pm, Sat: 5am - 8pm PT to speak with a licensed insurance agent.

Still looking for rates? Medicare-2022.org, a licensed health insurance broker, can help you get a competitive quote.
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Medicare-2022.org is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at medicare-2022.org/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on Medicare-2022.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.

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