What are my Medicare options?

Choose a plan to meet your health care needs, lifestyle, and budget.

Enroll in Original Medicare when you become eligible

ORIGINAL MEDICARE

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PART A

 

PART B

Hospital insurance   Medical insurance
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No cost*
Monthly premium
Offered by the federal government
*Most people qualify at no cost if they worked for at least 10 years.

If you need more coverage, you have choices


Option

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Choose this option if you want to:

  • Get your health insurance from multiple insurers.

Option

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Choose this option if you want to:

  • Get Medicare Part A, Part B, and Part D in one plan from one insurer.
  • Get comprehensive benefits for medical, prescription drugs, and more.

MEDICARE SUPPLEMENT
PLAN (MEDIGAP)

Pays for some or all medical costs not included in Original Medicare (Part A and Part B).

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Monthly premium
Offered by a Medicare-approved private insurer. HMSA doesn’t offer Medigap.
Not available if you have a Medicare Advantage plan.

and/or

MEDICARE PRESCRIPTION
DRUGS PLAN

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PART D

Prescription drug insurance

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Monthly premium
Offered by a Medicare-approved private insurer.
Included in HMSA Akamai Advantage.

MEDICARE ADVANTAGE PLAN

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PART C (PPO or HMO)

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PART A

 

PART B

Hospital
insurance
  Medical
insurance
Includes all the benefits of Original Medicare, such as:

  • Hospital care
  • Skilled nursing facility care
  • Hospice care
  • Doctor visits
  • Outpatient care
  • Durable medical equipment*
  • Preventive services

Usually includes prescription drugs**
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PART D

Prescription drug insurance

May include other benefits, such as:

  • Routine dental
  • Routine hearing
  • Routine vision**
  • Well-being benefits**

* Oxygen tanks, walkers, wheelchairs, etc.
**Included in HMSA Akamai Advantage

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Part B monthly premium + Medicare Advantage monthly premium