Medicare Plans Overview | Covering America Insurance

Medicare Plans 101: Understanding Your Options

Navigating Medicare can feel overwhelming, but Covering America Insurance makes it simple to understand your choices. Whether you’re turning 65 or reviewing your coverage, we’ll help you compare plans and find one that fits your lifestyle and budget.

Medicare is made up of several parts, each designed to cover different health services. Let’s take a closer look at how each option works and how you can fill the coverage gaps that Original Medicare leaves behind.

Original Medicare (Parts A & B)

Original Medicare is the foundation of your health coverage after age 65. It’s provided by the federal government and includes:

While comprehensive, Original Medicare still leaves you responsible for deductibles, copays, and coinsurance — which can add up over time.

Medicare Supplement (Medigap)

Medigap plans are designed to fill the gaps in Original Medicare by covering out-of-pocket costs. They allow you to see any doctor who accepts Medicare, giving you nationwide flexibility and predictable expenses.

Popular options include:

Learn more about Medigap coverage on our partner site Medigap Sherpas.

Medicare Advantage (Part C)

Medicare Advantage (MA) plans combine your hospital, medical, and often prescription coverage into one convenient plan managed by private insurers.

Many MA plans include:

Prescription Drug Plans (Part D)

If you choose Original Medicare with or without a Medigap plan, you can add Part D for prescription coverage. Plans vary by formulary (the list of covered medications), so it’s important to select one that covers your prescriptions affordably.