Medicare is a social insurance program administered by the U.S. government, which helps with medical costs for seniors and some disabled people.

To get Medicare, you must be a U.S. citizen or permanent resident and be at least 65 years old. You can also qualify for Medicare if you are younger than 65 and have certain disabilities.

Medicare has different costs depending on the type of coverage you have. For example, Part A is free for most people, but Part B has a monthly premium. You may also have to pay a deductible and coinsurance.

A Medicare supplement, also known as Medigap, is insurance that helps pay some of the costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. There are ten standardized Medigap plans available in most states. Plans A through N cover different levels of cost-sharing, and Plan F is the most comprehensive.

Medicare Advantage plans are another way to get Medicare coverage. These plans, also known as Part C, are offered by private insurance companies and must follow certain rules set by Medicare. They typically include Part A, Part B, and sometimes Part D coverage, and some plans also offer extra benefits like dental or vision care.

If you decide to enroll in Medicare, you have a few different options for how to get your coverage. You can enroll through the government website, by calling Medicare, or through a private insurance company.
You can also enroll in a Medicare Advantage plan or a Medigap plan through a local health insurance agent or private insurance company.

When you enroll in Medicare, you will need to choose a primary care provider (PCP). Your PCP is the doctor you will see for most of your medical needs. You can change your PCP if you are not happy with the one you have.

You will also need to choose a hospital where you want to receive care. Again, Medicare Advantage plans and some Medigap plans have networks of preferred hospitals.

You will also need to choose a pharmacy where you will get your prescriptions filled. Medicare Advantage plans and some Medigap plans have networks of preferred pharmacies.

The best way to find a Medicare insurance agent is to do a quick online search. You can also ask your friends and family for referrals. Be sure to ask the agent about their experience working with Medicare, and what plans they offer.

Medicare Supplements

Medicare Supplement Plans are also referred to as Medigap or Medigap Plans. Medigap is a type of insurance that helps people with Medicare cover health care costs by paying for services that Original Medicare does not cover. They are sold by private insurance companies as a way to help you or your family pay for certain medical services and supplies.

Original Medicare pays for many health care services and supplies - it may not pay for all the costs. Medicare Supplement Insurance (Medigap) can help you cover some of the rest of the costs of health care.

Medicare Supplements
Medicare Drug Plans

Medicare Drug Plans

Medicare Part D is a voluntary benefit that Medicare beneficiaries can choose to receive when they need to use a prescription drug. Medicare Part D benefits are offered as stand-alone prescription drug plans (PDPs) that are not covered by Medicare, or as Medicare Advantage plans (MA-PDs). 48 million of the 62 million Medicare beneficiaries will have Part D plans by 2021.

Part D provides medical benefits that are covered in various phases, including a deductible, an initial coverage phase, a gap phase, and a catastrophic phase, although there is no hard cap on out-of-pocket medical expenses.

Medicare Advantage Benefits

Medicare Advantage (Medicare Part C) plans are privately administered, so costs and benefits can vary according to the particular plan you choose. Some Medicare Advantage plans may feature $0 monthly premiums.

Most Part C plans offer prescription drug coverage. Some plans may also cover routine vision and dental care as well as a number of other benefits such as free gym memberships and transportation costs related to medical care, all of which is not covered by Original Medicare. However, it’s important to check with an insurance agent or with your plan carrier to find out exactly what benefits may be covered under your Medicare Advantage plan.

Medicare Advantage Benefits
Medigap Plans

Medigap Plans

You may be able to apply for a Medicare Supplement Insurance plan after you turn 65 if you meet certain eligibility requirements.

Medigap insurance is like an extension of your Original Medicare and helps you pay for certain out-of-pocket medical expenses such as copays, coinsurance, and more. Those who are eligible to have a Medigap plan should apply for it during their Medigap Open Enrollment Period, which lasts six months and begins when you become 65 and are enrolled in Medicare Part B.

It's important to understand that Medicare Supplement plans and Medicare Advantage plans are different. It is not possible to have both Medicare Supplement plans and Medicare Advantage plans.

Does Medicare cover vision and dental?

Original Medicare (Medicare Part A and Part B) does not cover routine dental or vision care. There are certain circumstances under which Original Medicare may provide some coverage for dental or vision care in an emergency setting or as part of surgery preparation.

However, you may be able to receive routine dental and vision coverage by enrolling in a Medicare Advantage plan that includes dental and vision benefits.

Do Medicare Advantage plans cover dental and vision?

Medicare Advantage (Medicare Part C) plans provide the same basic benefits that are covered by Original Medicare. Many Medicare Advantage plans also include coverage for other benefits that Original Medicare does not.

Many Medicare Advantage plans offer coverage for things such as:

  • Routine dental care
  • Routine vision care
  • Prescription drugs
  • Certain health and fitness program memberships

Medicare Advantage plans in your area may offer some of the benefits listed above and more.

Does Medicare cover vision and dental?