Medicare Plans

Medicare Supplement

Medicare Supplement plans, also known as Medigap plans, are sold by private insurance companies to help cover out-of-pocket costs associated with Original Medicare (Parts A and B).
These plans help pay for costs like coinsurance, copays, and some deductibles.
Additional riders can help cover emergency medical coverage when leaving the U.S., Part B Excess Fees and Additional Home Health Care.
While Medigap plans don't include prescription drug coverage, you can purchase a separate Part D plan for your medications

Medicare Advantage

Medicare Advantage plans, also known as Part C, are offered by private companies approved by Medicare. They provide an alternative to Original Medicare (Parts A and B) and many plans include prescription drug coverage (Part D).
These plans bundle together hospital, medical, and often prescription drug coverage, potentially offering extra benefits not found in Original Medicare such as Dental and Routine Vision.

Hospital Indemnity Plans

Hospital Indemnity insurance pays a cash benefit for each day you’re confined to the hospital.
Some plans may add more protection for certain medical services at an affordable cost. With optional riders available, you can create a customized plan to ensure you have the best protection for your specific situation.
Examples of additional riders include:
- Ambulance
- Skilled Nursing Facility
- Outpatient Physical Therapy
- Lump Sum Cancer
Can be purchased to help reimburse larger copays typical with many Medicare Advantage plans.

Part D (Prescription Drug Plans)

Beginning in 2027, stand-alone Part D Prescription Drug plans are exclusively handled through Medicare.gov or by calling 1-800-MEDICARE.
Click the document below for a helpful Tip Sheet to assist you in self-enrolling in a stand-alone Part D Plan for 2027.
Note: This does not include Medicare Advantage plans that include drug coverage or Medicare Supplement Plans. This only applies to stand-alone Part D Prescription Drug Plans.