To determine the most suitable Medicare coverage, you need to assess your individual healthcare needs. For example, if you currently take prescription drugs, you should consider acquiring Part D prescription drug coverage through either a standalone Part D plan or a Medicare Advantage plan upon obtaining Medicare. Although it may sound simple, it may not be as easy in practice.
A Medicare Advantage HMO plan usually covers only the care you receive from providers within the plan network. A PPO plan typically covers care obtained outside the network, but the payment may be less than for the same care received within the network.
There are financial assistance programs for people with limited income and assets, such as Extra Help for prescription drugs, Medicare Savings Programs, and Medicaid, among others. The eligibility criteria for each program and the level of support provided may vary.
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 to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.