뉴욕 메디케어 Plan Guide – Click Below
Types of Medicare coverage in New York
Original Medicare, Part A and Part B, refers to federal Medicare coverage. Medicare Part A (hospital insurance) and Part B (medical insurance) are available in any state in the U.S.
Medicare Advantage, Part C, refers to plans offered by private health insurance companies with Medicare’s approval. These plans must cover at least what Original Medicare, Part A and Part B does, but can also include additional benefits, like vision, dental, and prescription drug coverage. You continue paying your monthly Medicare Part B premium when you’re enrolled in a Medicare Advantage plan along with any premium charged by the Medicare Advantage plan chosen.
Medicare Supplement insurance plans cover “gaps” left by Original Medicare, like premiums, deductibles, and copayments. Medicare Supplement, also called Medigap, features up to 10 plans, each with a letter designation (A, B, C, D, F, G, K, L, M, N). Plan benefits within each letter category do not change, no matter where the plan is purchased; for example, if you have Medigap Plan K in Georgia, it provides the same coverage as Plan K in Montana.
Medicare Part D Prescription Drug Plans are also offered by Medicare-approved insurance providers. These optional stand-alone plans provide prescription drug coverage and work alongside Medicare Part A and/or Part B insurance. Alternatively, you may enroll in a Medicare Advantage Prescription Drug plan to receive your Medicare Part A and Part B benefits, along with prescription drug coverage; these plans may also offer other benefits (such as wellness programs).