Original Medicare
Part A helps cover inpatient hospital care and certain services; Part B helps cover doctors, outpatient care, medical equipment and preventive services.
Coverage for your next stage
Medicare explained clearly
Understand Original Medicare, Medicare Advantage, prescription drug coverage and supplemental options before comparing plans.
Select InsuranceUnderstand before requesting a quote
May be relevant for
Situations worth reviewing.
- People approaching age 65
- People under 65 who qualify due to certain disabilities or conditions
- Beneficiaries reviewing medical and prescription coverage
The essentials
What to understand before comparing.
A quote is more useful when you understand which details can change coverage, access and cost.
Medicare Advantage
Also called Part C, it is an alternative offered by Medicare-approved private plans. It includes Parts A and B and usually Part D, with its own network, costs and rules.
Prescription drugs and Medigap
Part D helps cover prescriptions. Medigap can help with certain out-of-pocket costs under Original Medicare, but it is not used with Medicare Advantage.
A complete comparison
Review doctors, hospitals, prescriptions, pharmacies, premiums, copays, deductibles, network rules, authorizations and potential yearly cost.
Educational example
Someone turning 65
Maria wants to keep her specialists and takes three prescriptions regularly.
What should be compared?Her comparison should confirm every doctor, hospital, medication and pharmacy, while evaluating annual costs instead of focusing only on an advertised monthly premium.
This example is hypothetical and is not a recommendation, quote or guarantee of coverage.Frequently asked questions
Clear answers to help you begin.
Rules, benefits, costs and availability can vary. We will review your situation before discussing a specific plan.
Are Medicare and Medicaid the same?
No. Medicare is a federal program mainly for people age 65 and older and certain younger people who qualify. Medicaid is a joint federal and state program with financial and other eligibility rules.
Does Medicare Advantage replace Medicare?
It is another way to receive Medicare benefits through an approved private plan. You remain enrolled in Parts A and B and continue paying the Part B premium.
Can I have Medicare Advantage and Medigap together?
No. Medigap supplements Original Medicare and cannot be used to pay a Medicare Advantage plan's costs.
Does a $0-premium plan mean I pay nothing?
Not necessarily. The Part B premium, deductibles, copays, coinsurance and other costs may still apply. Review networks, prescriptions and the annual out-of-pocket limit.
Important information
Always verify current details.
Select Insurance is not affiliated with or endorsed by the United States government or the federal Medicare program.
The next step
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Complete a short form. We do not ask for diagnoses or medications during this initial contact.