Medicare & You: Understanding Your Medicare Choices

Learn about the different ways you can get Medicare coverage.

We accept comments in the spirit of our comment policy:

As well, please view the HHS Privacy Policy:

Medicare & You: Understanding Your Medicare Choices

10 thoughts on “Medicare & You: Understanding Your Medicare Choices

  1. I have a hmo,did’nt know i had a choice.some doctors tell you they no
    longer take hmo’s,they pay to slow so what do you do?i’m surfing to web to
    compare info,i hope that will help me ,turning 65 so confuseing

    • +Cynthia Strahan I just saw this post you made several months ago about
      your frustrations with Medicare and turning 65. Obviously, I don’t know
      your current situation, but if you still want to see what choices might be
      available for you and if you qualify to save money then click here >>> for a free quote.

  2. I just got off the phone with Optima Medicare Advantage who told me I still
    have to pay part B separately. In this video you say Advantage plans cover
    part B. Which is it?

    • +John Dozier Medicare Advantage plans also cover part B services or
      benefits, but you still have to pay the Part B premium due whether you go
      the original Medicare route or the Med Advantage route. The only exception
      to that would be if a person were on their state’s Medicaid program because
      of low income, then the Medicaid program might pay a portion or all of the
      Medicare Part B premium. Hope that helps clear it up John.

  3. When a person presents their insurance card, how am I to know if it’s a
    medigap plan or an advantage plan? To be clear, is the Medigap “in addition
    to” Medicare A/B and are the advantage plans a replacement to Medicare A/B?

    • Usually a Medigap plan will have a letter A through N. Most common Medigap
      plans are plan F, G or N. An advantage plan will often times display
      deductible, copayment and coinsurance amounts on the card or it will say
      HMO. If in doubt, you can always call the insurance carrier’s phone number
      on the back of the card. Medigap is “in addition” to Medicare A/B. It picks
      up the “gaps” left by A/B. If you get an advantage plan, even though you
      still pay for the monthly Part B premium you technically are replacing
      Original Medicare Part A & B. Once you are covered by an advantage plan,
      you will receive coverage within a network whereas with Medicare Part A&B
      plus a Medigap you can receive coverage anywhere in the US, any doctor who
      takes Medicare including specialists and you do not need a referral. Some
      Medigap policies will cover foreign travel at 80% in case of emergencies.
      Hope this is helpful. If you have questions, please visit and contact me directly.

Leave a Reply

Your email address will not be published. Required fields are marked *