Welcome to My Medicare Healthplans

Medicare Prescription Drug Plans, known as Part D, are standalone plans offered by Medicare-approved private insurers to add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. These plans cover the cost of prescription drugs, vaccines, and some over-the-counter medications when prescribed by a doctor. Part D plans are necessary for anyone on Medicare who wants coverage for their prescription medications. They're particularly important for those who regularly take prescription drugs and want to lower their medication costs. It's also a critical component for those with Original Medicare or a Medicare Health Plan that does not include prescription drug coverage.

Medicare Advantage Plans, also known as Medicare Part C, are an alternative to Original Medicare offered by private companies approved by Medicare. These plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage and usually include Medicare prescription drug coverage (Part D) as well. Many plans offer additional benefits like dental, vision, and hearing care. Medicare Advantage Plans are ideal for individuals looking for an all-in-one package that covers hospital visits, general medical care, and often prescription drugs and other services. They're a good fit for those comfortable with the plan's network of doctors and hospitals and seeking potentially lower out-of-pocket costs.

Medicare Supplement Insurance, often called Medigap, is additional insurance you can buy from a private company to pay health care costs not covered by Original Medicare (Part A and Part B). These costs include things like copayments, coinsurance, and deductibles. Medigap policies do not cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. You must have Medicare Part A and Part B to purchase a Medigap policy. It's suitable for individuals who want extra coverage to help pay out-of-pocket costs that Original Medicare doesn't cover. It's also beneficial for those who frequently need medical services and want to minimize their direct expenses.