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Available Medicare Plans

Medicare Supplement (Medigap)
  • You pay a monthly fee in addition to the Part B premium, and the private plan covers the costs in Original Medicare.

  • There are 8 plans (each has its own letter) standardized by the Federal Government, but offered by private insurance companies.*

  • The monthly fee can generally range from $50 - 350, depending on the plan type and your home state.

  • No drug coverage, or dental, hearing and vision benefits.

  • No medical underwriting up to 6 months after enrolling in Part B at age 65 or older

  • Guaranteed renewable

  • Coverage nationwide; no provider network

Medicare Advantage (Part C)
Medicare Advantage
  • All the benefits of Part A and Part B

  • You’re still in the Medicare program, but plans are offered by private companies

  • Most plans include prescription drugs

  • Many plans offer additional benefits:

    • Routine dental

    • Routine eye exams and eyeglasses

    • Hearing tests & aids

    • Wellness programs

  • Continue to pay the Part B plan premium

  • Many plans are $0 premium

  • But you have out-of-pocket co-pays and co-insurance when you use services

  • Typically have annual out-of-pocket maximum

Other Factors
  • You may need a referral to see a specialist

  • Coordinated care support with provider network

Prescription Drug Coverage (Part D)
Plans cover:
  • Most common medications

  • Specific brand name & generic drugs according to the plan’s formulary (drug list)

  • Vaccines not covered by Part B

How it works
  • You pay a monthly premium. The average premium is ~$33.

  • You have a co-pay for each medication, based on its tier. There are 4 or 5 tiers, from lowest to highest priced.

  • You may also have a deductible

  • You may have to use a specific pharmacy network

You can get Part D via a stand-alone Part D plan OR via a Medicare Advantage plan that includes prescription drug coverage (MAPD)

Dual Special Needs Plans (D-SNP) 
  • You qualify for Medicaid (AHCCCS) and Medicare

  • You are entitled to additional benefits not available to other medicare beneficiaries including additional Dental, Vision, and Hearing services, as well as a monthly grocery allowance!

Chronic Special Needs Plans (C-SNP)
  • Additional help if you are living with a chronic condition such as diabetes or heart disease

  • You or your loved one is enrolled in the state Long Term Care Program (ALTCS)

  • You or your loved one is living in a nursing home or needs additional care

Dental Plans
  • Stand alone dental plan options are available for you in the event (1) you opt for a Medigap Plan that does not include dental or (2) Do not qualify for Dental Coverage


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