Skip to Main Content
Back to Learn

Evaluate your Options

Your 3-Step Guide

Choosing your Medicare coverage is an important decision. It pays to take some time to learn what type of plan works best for your needs and budget.

Follow these three steps to guide your decision-making process:

Step 1: Learn about Medicare plan types

Step 2: Assess your needs

Step 3: Shop and enroll

 
1

Step 1: Learn about Medicare plan types

There are several types of private plans available that cover costs not covered by Original Medicare alone. It's important to understand these plan types before you choose your coverage.

Medicare Advantage Plans

Medicare Advantage plans are private Part C plans that administer your Part A and Part B benefits on behalf of Medicare. These plans typically combine medical and Part D drug coverage and offer extra benefits.

Medicare Advantage plans charge a premium that is additional to your Part B premium. The premium may change annually, but it’s not tied to your age.

    You are eligible if you:
  • Are enrolled in Medicare Part A and Part B
  • Are a permanent resident in the plan service area
  • Do not have End-Stage Renal Disease (ESRD)
Read More

Medicare Cost Plans

Medicare Cost plans supplement Original Medicare coverage by paying costs that Medicare doesn't cover and by providing extra benefits like travel, eyewear benefits, a maximum out-of-pocket limit, and more.

Most Medicare Cost plans also offer optional Part D prescription drug coverage. Cost plans charge a premium that is additional to your Part B premium. The premium may change annually, but it is not tied to your age.

    You are eligible if you:
  • Are eligible for Medicare Part A (you do not have to be enrolled)
  • Are enrolled in Medicare Part B
  • Are a permanent resident in the plan service area
  • Do not have End-Stage Renal Disease (ESRD)
Read More

Medicare Supplement (Medigap) Plans

Medicare supplement plans (or Medigap plans) cover some of the costs that Original Medicare does not cover, like copayments, coinsurance and deductibles.

With a Medicare Supplement plan, you will pay a premium that is additional to your Part B premium. The premium can change each year and may depend on your age. These plans don’t include Part D coverage, so if you want prescription drug coverage, you will need a stand-alone Part D plan.

    You are eligible if you:
  • Are enrolled in Medicare Part A and Part B
  • Are not enrolled in a Medicare Advantage plan or MSA account
  • Are a permanent resident in the plan service area
Read More
2

Step 2: Assess your needs

Ask yourself a few questions.Your answers will help determine the types of services and amount of coverage you need.

Question:

Would you rather pay a higher monthly premium and have lower out-of-pocket costs, or pay a lower monthly premium with higher out-of-pocket costs?

View Option Plans
Higher Premiums/ Lower Out-of-Pocket Costs Lower Premiums/ Higher Out-of-Pocket Costs
  • Medicare Cost Plan
  • Medicare Supplement Plan
  • Medicare Supplement Plan + Part D PDP
  • Medicare Cost Plan
  • Medicare Advantage Plan
Question:

Would you be willing to see doctors and other health care providers from a health plan's network in order to pay your lowest copays/coinsurance?

View Option Plans
I'm comfortable seeing providers from within a plan network. I want the flexibility to see any provider that accepts Medicare.
  • Medicare Cost Plan
  • Medicare Advantage Plan
  • Medicare Supplement Plan
  • Medicare Supplement Plan + Part D PDP
Question:

Do you travel frequently and need health care services away from home?

View Plan Types to Meet Your Needs
Yes, I need to be able to access health care services on the road. No, I take care of most of my health care needs at home.
  • Medicare Cost Plan
  • Medicare Supplement Plan
  • Medicare Supplement Plan + Part D PDP
  • Medicare Cost Plan
  • Medicare Advantage Plan
Question:

Do you want Part D prescription drug coverage?

View Plan Types to Meet Your Needs
Yes, I want Part D drug coverage. No, I don’t want Part D drug coverage.
  • Medicare Cost Plan
  • Medicare AdvantagePlan
  • Medicare Supplement Plan + Part D PDP
  • Medicare Cost Plan
  • Medicare Supplement Plan

Question:
Which type of plan might be closer to your interests?

View Plan Types to Meet Your Needs
A plan that helps pay some of the out-of-pocket health care costs that Original Medicare does not pay. A plan that helps pay some of the out-of-pocket health care costs that Original Medicare does not pay PLUS offers additional benefits such as routine hearing or vision coverage.
  • Medicare Supplement Plan
  • Medicare Supplement Plan + Part D PDP
  • Medicare Cost Plan
  • Medicare Advantage Plan
Man playing with his grandchildren.

Need Help?

1-877-704-7864 
(TTY: 711)
Get More Info

Are You Covered?

Every plan is different, find the right plan for you. Quickly search our resources to see if a plan includes your doctor and drugs. 

Select a plan
Ready to Enroll?
 
3

Step 3: Shop and enroll

Explore Our Plans

There are many things to consider when comparing Medicare plans. Whether you want to explore on your own or need some guidance, Medica has the information you need to make the best choice for you.

Start Exploring

View our plans  |  Help me choose

Ready to Enroll

Now that you have evaluated your options and selected a Medicare plan, it is fast and easy to enroll. You can enroll online or call Medica to enroll over the phone. If you prefer a paper application, just give us a call.

How to Enroll

Enroll online  |  Contact a Medica consultant

Medica is a Cost and HMO-POS plan with a Medicare contract. Enrollment in Medica depends on contract renewal.

Y0088_4950 CMS Approved
Last Updated: October 2017