There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Our job is to help you decide what coverage you need.
Get a QuoteMedicare covers services and supplies considered medically necessary to treat a disease or condition. Medicare Advantage plans offer the same types of coverage and are provided by private insurance companies.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
You may want to get coverage to help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. You can choose to buy a Medigap policy from a private company.
| Part A premium | Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $422 each month. |
| Part A hospital stay |
You pay:
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| Part A skilled nursing facility stay |
You pay:
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| Part B premium | The standard Part B premium amount is $134 or higher depending on your income. However, most people who get Social Security benefits pay less than this amount ($130 on average). |
| Part B deductible and coinsurance | $183 per year |
| Part C premium | The Part C monthly premium varies by plan. |
| Part D premium | The Part D monthly premium varies by plan (higher-income consumers may pay more). |
To help cover the costs of what medicare does not pay, you can choose a Medicare Supplemet plan, or "Medigap".