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Medicare 1o1

What is Medicare?

Also called Original Medicare. This is the federal health insurance program for:

  • People who are 65 or older

  • Certain younger people with disabilities

  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

The different parts of Medicare help cover specific services:

  • Medicare Part A (Hospital Insurance) - Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

  • Medicare Part B (Medical Insurance) - Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

  • Medicare Part D (prescription drug coverage) - Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Supplement your Medicare Coverage

What is Medicare Supplement Insurance?

Medicare Supplement Insurance helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost of covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like: Copayments Coinsurance Deductibles.

You must have Medicare Part A and Part B before adding a supplement.


Reference Medicare.gov

Medigap Insurance

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost of covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, such as Copayments, Coinsurance, and Deductibles.

Medigap Plans A–N

Medicare Supplement
Insurance Plans		 ABCDF1G K2L2MN
Basic Benefits* ✔✔✔✔✔✔ 50%75%✔✔
Part B Coinsurance ✔✔✔✔✔✔ 50%75%✔Copay3
Skilled Nursing ✔✔✔✔ 50%75%✔✔
Part A Deductible ✔✔✔✔✔✔ 50%75%50%✔
Part B Deductible ✔✔
Part B Excess 100%100%
Foreign Travel Emergency ✔✔✔✔ ✔✔
Preventive Care
Part B Coinsurance		 ✔✔✔✔✔✔ ✔✔✔✔

*Check marks indicate full coverage. Percentages reflect partial coverage.

Another Option: Medicare Advantage

If you have Part A and Part B, you can join a Medicare Advantage Plan, sometimes called “Part C” or an “MA plan.” This type of Medicare health plan is offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include

drug coverage (Part D).

Types of Medicare Advantage Plans:

  • Health Maintenance Organizations (HMOs)

  • Preferred Provider Organizations (PPOs)

  • Special Needs Plans (SNPs)

  • Medicare Medical Savings Accounts (MSAs)

  • Private Fee-for-Service Plans (PFFS)

What else do I need to know about Medicare Advantage Plans?

Before joining a Medicare Advantage Plan, talk to your employer, union, or other benefits administrator about their rules. In some cases, joining a Medicare Advantage Plan might cause you to lose your employer or union coverage. If you drop or lose employer or union coverage for yourself, you may also lose coverage for your spouse and dependents. You may not be able to get this coverage back.

Source: medicare.gov

Another Option: Medicare Advantage

Medicare 2025 Part B Premiums by Income

If your filing status and yearly income in 2023 was:

File Individual
Tax Return		 File Joint
Tax Return		 File Married &
Separate Tax Return		 (In 2025)
Each Month You Pay
$106k or less $212k or less $106k or less $185.00
Above $106k up to $133k Above $212k up to $266k N/A $259.00
Above $133k up to $167k Above $266k up to $334k N/A $370.00
Above $167k up to $200k Above $334k up to $400k N/A $480.90
Above $200k < $500k Above $400k < $750k Above $106k < $394k $591.90
$500k or above $750k and above $394k and above $628.90

2025 Medicare Part B IRMAA chart

Not affiliated with the U.S. government or federal Medicare program. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Currently we represent 5organizations which offer 50 plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local StateHealth Insurance Program (SHIP) to get information on all of your options. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved PartD sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

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