Medicare By State
Medicare is regulated by the federal government. However, private insurance companies are allowed to offer various parts of Medicare. These parts include:
- Medicare Part C, or Medicare Advantage: all-in-one Medicare coverage
- Medicare Part D prescription drug coverage
- Medicare Supplement to cover Medicare’s out-of-pocket costs
These plans offered by private insurance companies can differ from state to state. The price of coverage, or monthly premium, can also vary from region to region and insurer to insurer.
What is Medicare Advantage in my state?
Medicare Advantage combines your Part A (hospital) and Part B (medical) benefits in one convenient plan. Medicare Advantage plans also usually include Part D prescription drug coverage.
In addition, Medicare Advantage plans usually include extra benefits, such as routine vision, routine hearing, and routine dental. It may also include certain fitness benefits.
What is Medicare Part D in my state?
Original Medicare covers limited prescription drugs when you’re an inpatient, but doesn’t cover most medications you take at home. That’s why Medicare beneficiaries get Medicare Part D prescription drug coverage.
You can get either a:
- Stand-alone Part D prescription drug plan to go alongside Original Medicare (Part A and Part B)
- A Medicare Advantage plan that includes Part D coverage
What is Medicare Supplement (Medigap) in my state?
Medicare Supplement goes along with Original Medicare and covers out-of-pocket costs such as copayments, coinsurance, and deductibles.
Most Medicare Supplement plans have a monthly premium, but once you pay this, most of your Medicare out-of-pocket costs may be covered.
States have different rules on whether people under 65 can get a Medicare Supplement plan.