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Understanding your Medicare options is the first step in preparing for enrollment. Now, it’s time to learn how the different options compare and fit together to create the right coverage for you.
Even with all the details, understanding your plan options and making a decision isn’t always easy. Here’s a side-by-side comparison of the options available to you.
|
BENEFITS AND FEATURES |
ORIGINAL MEDICARE (PART A & B) |
MEDICARE ADVANTAGE (PART C) |
MEDICARE SUPPLEMENT (MEDIGAP) |
|---|---|---|---|
| Helps pay for hospital stays | Covered | Covered | Covered |
| Helps pay for some medical care, such as doctor visits | Covered | Covered | Covered |
| Helps pay for preventive services, such as flu shots | Covered | Covered | Covered |
| Limits your annual out-of-pocket medical costs | Not Covered | Covered | Covered |
| Helps pay for Part D prescription drugs | Not Covered | Covered | Not Covered |
| Helps pay for over-the-counter drug costs | Not Covered | Covered | Not Covered |
| Routine dental coverage | Not Covered | Covered | Not Covered |
| Routine vision coverage and eyewear allowances | Not Covered | Covered | Not Covered |
| Routine hearing exam and hearing aid coverage | Not Covered | Covered | Not Covered |
| Fitness benefits | Not Covered | Covered | Not Covered |
Medicare plans fit together to provide coverage that’s right for you. In total, there are seven different Medicare coverage combinations. Depending on what type of base coverage you select, the options for additional benefits may change. Here are all the ways you can combine various types of Medicare to meet your needs.
If you choose a combination that does not include Part D prescription drug coverage: To avoid a financial penalty, you must purchase or have separate drug coverage that is considered “creditable” meaning it covers at least as much as Medicare Part D.
Medicare members have several options when combining Part A & B (Original Medicare) with other types of coverage. Original Medicare is funded through the federal government, though members may be responsible for some costs, including deductibles, copayments, and coinsurance.
Part A
Part B
Part A
Part B
Part D
Part A
Part B
Part D
Medigap
Part A
Part B
Medigap
Members also have several options when customizing and purchasing Medicare Part C (Medicare Advantage) plans. Medicare Advantage plans are government-approved options provided by private insurers.
Part C
Part C
With
Part D
Part C
Excellus BCBS is here to support you and help keep Medicare enrollment simple. We’ve been working to make health coverage more accessible and affordable for everyone in our community for nearly 90 years, and our local Medicare Consultants are available to help you with all things Medicare.
Our dedicated local Medicare Consultants are here to answer all your Medicare questions.
Ready to enroll in Medicare? Excellus BCBS makes it easy to enroll online or over the phone.
Excellus BlueCross BlueShield is an HMO plan and PPO plan with a Medicare contract. Enrollment in Excellus BlueCross BlueShield depends on contract renewal. Submit a complaint about your Medicare plan at www.Medicare.gov or learn about filing a complaint by contacting the Medicare Ombudsman. Y0028_10519_C.
This page last updated 10-01-2024.
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