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Medicare is a little different than health care insurance plans that you’ve had before.
When you’re under 65, plans likely include medical and prescription drug coverage. Plans through your work may have had dental and vision coverage.
Medicare’s basic coverage includes hospital and medical benefits from Medicare Parts A and B. But Medicare doesn’t cover everything. To fill in the gaps that Medicare doesn’t cover, there are Medicare Supplement Insurance Plans. These plans cover the roughly 20% of costs that Medicare doesn’t cover.
If you need coverage for your medications, there are prescription drug plans. These plans only cover prescription drugs. They are often used along with Medicare Supplement Insurance Plans. They are not part of Medicare, and you pay for them separately.
If you want coverage that’s like what you’ve had before, there are Medicare Advantage plans. These plans cover the medical and hospital benefits of Medicare Parts A and B, plus prescription drug coverage, and may offer dental and vision care. All the benefits come from one plan, so you don’t need to manage multiple plans.