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Your Medicare Options


Choosing your Medicare plan can be overwhelming.

It can be hard to figure out what you want, or more important, what you need. That’s why we’ve gathered a list of your options. Look over different combinations of Medicare Parts A, B, C, and D. See how they can work for you.

Need a refresher?

Check out our explanation of the 4 Parts of Medicare.

The different types of Medicare health plans.

Original Medicare (Parts A and B)

Original Medicare is a program provided by the federal government. It helps with healthcare costs as you age. Original Medicare is Part A - hospital insurance - and Part B - medical insurance. When enrolled, you are required to pay a premium, deductible, or copayment for medical services. This payment is around 20 percent.

Original Medicare with a drug plan (Medicare Part A, Part B and Part D)

You can add Part D to your Original Medicare plan without a Medicare Advantage plan. Adding Part D gives you drug coverage. It leaves gaps that are covered by Part C.

Medicare Advantage Plan without a drug plan (Medicare Part C)

The government contracts with private insurance companies, including Capital BlueCross, to offer Medicare Advantage plans. Part C includes Part A and Part B with some added benefits. These plans ask for a monthly premium and charge copayments for services. These plans also have a yearly out-of-pocket spending limit.

Medicare Advantage Plan with a drug plan (Medicare Part C and Part D)

Some Medicare Advantage plans offer Part D drug coverage. This plan offers co-payments but may have higher monthly premiums. To learn more about Capital BlueCross Medicare Advantage options, view our BlueJourney plans.

Other options to look at.

Medicare Supplement Plan without a drug plan (Part A, Part B and Supplement)

A Medicare supplement plan covers the gaps of Original Medicare. Original Medicare is your primary insurance. A supplement plan helps cover expenses like copays, coinsurance, and deductibles. This plan doesn’t have Part D drug coverage.

Medicare Supplement Plan with a drug plan (Part A, Part B, Part D and Supplement)

A Medicare supplement plan covers the gaps of Original Medicare. Original Medicare is your primary insurance. A supplement plan helps cover expenses like copays, coinsurance, and deductibles. You can purchase Medicare Part D to get drug coverage.

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Updated October 1, 2019

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