Original Medicare (Part A and B) Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.  Medigap can be purchased in addition to Part A and Part B to provide additional coverage and offers different policy options (Plan A, B, C, D, F, G, K, L, M and N.)  Effective Jan 1, 2020, Medicare Supplement plans will no longer sell Plan F or Plan C to newly eligible Medicare members
  • If you were eligible for Medicare before January 1, 2020, you may be able to buy Medicare Supplement Plan F or Plan C.

  • If you qualify for Medicare on January 1, 2020 or later, you may not be able to buy Medicare Supplement Plan F or Plan C.

What is Medicare Part D Prescription Plan and the cost: Part D adds prescription drug coverage to Original Medicare.  These plans are offered by insurance companies and other private companies approved by Medicare. Your actual drug plan costs will vary depending on the drugs you choose, the plan you choose, the pharmacy or network you use and whether your drugs are on your plan's formulary.  Plans could cost about $20 a month but it depends on the drugs you need. 
How much does Original Medicare cost? Part A is usually free if you or your spouse paid Medicare taxes while working. Part B premiums depend on your income.  The 2020 average cost for Part B  individuals filing is $144.30 a month. 
Medicare Advantage Plans are sometimes referred to as Part C.  They are Medicare-approved private health insurance plans for individuals enrolled in Original Medicare, Part A and Part B. When you join a Medicare Advantage plan, you are still in the Medicare program and must continue paying your Part B premium.  Medicare Advantage Plans cover all Medicare services and may also offer extra coverage.  They generally offer additional benefits, such as vision, dental, and hearing, and many include prescription drug coverage. These plans often have networks like HMO's, PPOs, etc, which mean you may have to see certain doctors and go to certain hospitals in the plan’s network to get care.
Medicare Advantage plans may potentially save you money because out-of-pocket costs in these plans can be lower than with Original Medicare, Part A and Part B, in some cases. Pricing will vary so it’s worthwhile to compare the plans and decide which suits your needs.  Each Medicare Advantage plan can charge different out-of-pocket costs and have different rules for how you get services similar to the healthcare choices you have now. 
What is a Medigap Policy?
A Medigap policy only supplements your Original Medicare Part A and B.  You pay the private insurance company a monthly premium for your Medigap policy.  Medigap policies aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can need to purchase Medicare Part D prescription plan.
Comparisons of Medigap coverage. Plans A, B, C, D, F, G, K, L, M and N can be found below.  As of 2020, Medicare Supplement plans will no longer sell Plan F or Plan C to newly eligible Medicare members.