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Medicare Plan — Made Simple
SMID: MULTIPLAN_MyMedOptions2025_M
(Aetna, Humana, Cigna HealthSpringSM, United Health Care, Molina Health Care, Carepartners, Wellcare)
Compare Medicare Advantage, Supplement, and Prescription Drug plans available in your area.
Outside of the Medicare Annual Enrollment Period (AEP), you must qualify for a Special Enrollment Period (SEP) to enroll in a Medicare plan.
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Your Guide to Understanding Medicare Coverage
We’re committed to guiding you through Medicare’s complexities so you can find the coverage, savings, and benefits that fit your needs. Our support helps you understand the program and compare your options with confidence.
Part A
Hospital Insurance
Part A is premium-free for people who are 65 or older and have paid, or whose spouse has paid, Medicare taxes for at least 10 years while employed. People who qualify for Medicare due to certain disabilities also qualify for premium-free Part A.
Part A Covers
- Some Home Health Care
- Inpatient Care in Hospital
- Nursing Home Care (Inpatient care in a skilled facility that’s not custodial or long-term care)
Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical equipment.
Part B Covers
- Doctor visits and other outpatient care
- Ambulance Service
- Durable Medical Equipment DME
- Mental Health
- Certain preventive services, like flu shots and cancer screenings
- Part C (Medicare Advantage)
- Part C plans are offered by private insurance companies approved by Medicare. They include all the benefits of both Part A and Part B, and may offer additional coverage.
Part C
Medicare Advantage
Private plan combining Parts A and B, often including Part D and Added benefits
Part C Covers
- All services are covered by Part A and Part B (except for hospice care, which is covered by Original Medicare)
- Added benefits often not covered by Original Medicare
- Most Part C plans also include prescription drug coverage (Part D)
- Part D (Prescription Drug Coverage)
- Part D is prescription drug coverage offered by private insurance companies that have been approved by Medicare. It is designed to help you pay for self-administered prescription drugs. You can get this coverage in one of two ways
Part D
Prescription Drug Coverage
Essential if opting out of Medicare Advantage plan drug coverage.
Part D Covers
- As a stand-alone plan: If you have Original Medicare (Parts A and B), you can enroll in a separate Part D plan
- As part of a Medicare Advantage Plan (Part C): Many Medicare Advantage plans include prescription drug coverage as part of a bundled plan.
- The cost of Part D varies by plan. It can include a monthly premium, an annual deductible, and copayments or coinsurance for your prescriptions.
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FAQ
Initial Enrollment Period (IEP)
The Initial Enrollment Period is a 7-month window that begins 3 months before you turn 65, includes your birthday month, and ends 3 months after your birthday month. During this time, most people can sign up for Medicare Part A, Part B, and may choose to enroll in Part C (Medicare Advantage) and/or Part D (Prescription Drug coverage).
Special Enrollment Period (SEP)
Special Enrollment Periods allow you to make changes to your Medicare coverage outside of the standard enrollment times if certain life events occur — for example, if you move, lose other health coverage, or experience other qualifying situations. The length and rules for SEPs vary based on your circumstances.
Annual Enrollment Period (AEP)
The Annual Enrollment Period runs from October 15 to December 7 each year. During this time, people already enrolled in Medicare can review their current coverage and make changes to Medicare Advantage (Part C) or Medicare Prescription Drug Plans (Part D). Changes made during AEP take effect on January 1 of the following year. This period cannot be used to sign up for Part A or Part B for the first time.
General Enrollment Period (GEP)
The General Enrollment Period is from January 1 to March 31 each year. If you did not sign up for Medicare Part B (and Part A, if applicable) during your Initial Enrollment Period and do not qualify for a Special Enrollment Period, you may enroll during the GEP. Your coverage will start the month after you sign up, and you may have to pay a late enrollment penalty.
Medicare Advantage Open Enrollment Period (OEP)
The Medicare Advantage Open Enrollment Period occurs each year from January 1 to March 31. If you already have a Medicare Advantage plan, you can:
Switch to a different Medicare Advantage plan (with or without drug coverage)
Return to Original Medicare and, if needed, join a Medicare Prescription Drug Plan
You cannot use this period to switch from Original Medicare to Medicare Advantage, join a prescription drug plan if you’re in Original Medicare, or switch between stand-alone prescription drug plans.
Can you have a Medicare Advantage plan and a Medicare Supplement (Medigap) plan at the same time?
No. You can only have one type of plan at a time. Medicare Advantage plans and Medicare Supplement (Medigap) policies work differently and are not designed to be used together. To understand which option may fit your needs, you can speak with a licensed insurance agent who can explain your choices based on your situation.
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