Here are the Major Types of Medicare Insurance Plans:

Medicare Part A

One option you have when you enroll in Medicare is Medicare Part A coverage. Medicare Part A is sometimes referred to as “Hospital Insurance.”  Generally, Medicare Part A covers inpatient hospital care, hospice, home health services, skilled nursing facility care and nursing home care (as long as the only care you need isn’t custodial care). Some people automatically get Medicare Part A and those who don’t sometimes choose this option when they are still working and receiving health care benefits from their employer. You most likely will not have to pay a monthly premium for Medicare Part A if you or your spouse paid Medicare taxes while working.  For Medicare Part A, you could pay up to $499 each month in 2022. However, many people receive premium-free Part A. In many cases, if you choose Part A, you must also have Medicare Part B and pay monthly premiums for both.

Read more about Medicare Part A

Medicare Part B

Medicare Part B is sometimes called “Medical Insurance” and covers medically necessary and preventive services. Things considered medically necessary to treat a disease or condition, like doctor visits, lab tests, and surgeries, fall under Medicare Part B coverage. It also covers supplies, such as walkers and wheelchairs. Some services might be covered only in certain situations. Medicare Part B does have a premium each month that you will have to pay. In some instances, your Medicare Part B premium may be deducted from your benefit payment.  The standard Part B premium amount in 2022 is $170.10, or more depending on your income level.

Read more about Medicare Part B

Medicare Part C

Medicare Part C plans are sometimes called “Medicare Advantage Plans.” If you select a Medicare Advantage Plan, you will get your Medicare Part A and Medicare Part B coverage from the Medicare Advantage Plan.  All Medicare services are covered by Medicare Part C, and may even offer extra coverage.  Each plan could have different rules and different out-of-pocket costs. Usually you can also get prescription drug coverage through this plan.

Read more about Medicare Part C

Medicare Part D

Medicare Part D is prescription drug coverage.  Medicare offers prescription drug coverage to everyone with Medicare. If you choose to not sign up when you’re first eligible you may have to pay a late penalty. In order to receive this coverage you must join a plan run by an insurance company or a private company approved by Medicare.  Each plan varies in the cost and options of prescription drugs covered.  Two ways to get prescription drug coverage is through Part D or through Medicare Advantage Part C.

Read more about Medicare Part D

Medicare Supplement Plans

Medicare supplement plans are sometimes called “Medigap Policies.” These plans can help pay for health care costs like co-payments, coinsurance and deductibles, which Medicare Parts A and B don’t cover. If the cost of your medical treatment is exceptionally high, a Medicare supplement plan could be very beneficial to you. Medicare supplement plans don’t cover everything though, so it’s important to research what will be covered to help you make a more informed decision.

Read more about Medicare Supplement Plans

The Medicare Solutions website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a ClearMatch Medicare Insurance Agency, license #OF30784.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

HealthPlanOne is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

Medicare supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Medicare supplement plans are not connected with or endorsed by the U.S. government or federal Medicare program.

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.

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