Affordable Medicare Coverage by State
This article was updated on: 07/05/2018
While Original Medicare, Part A and Part B, is the same throughout the country, certain types of Medicare insurance may vary by insurance company and location. This includes Medicare Advantage (Part C), Medicare prescription drug coverage (Part D), and Medicare Supplement (Medigap) coverage. After a brief overview of the types of Medicare insurance offered through private insurance companies approved by Medicare, you’ll see a table of links to state-specific Medicare information later in this article.
Medicare Advantage plans provide Original Medicare, Part A and Part B, benefits through private Medicare-approved insurance companies. These plans cover at least the same benefits as Original Medicare, but may also include other benefits, such as routine vision and dental services, or wellness programs. Some plans may include prescription drug coverage, as well. Not every Medicare Advantage plan will be available in every county or zip code.
Similarly, if you’re looking for Medicare prescription drug coverage, keep in mind that costs and benefits may vary among specific plans and insurance companies. Original Medicare beneficiaries can get this coverage with a stand-alone Medicare Prescription Drug Plan, while Medicare Advantage enrollees can get drug benefits through a Medicare Advantage Prescription Drug plan. Both types of prescription drug plans can differ in costs and benefits based on the plan selected, even when covering the same medications.
Medicare Supplement plans are another type of coverage that can vary by location. While most states offer up to 10 standardized plan types, the costs will depend on the insurance company. Massachusetts, Minnesota, and Wisconsin have their own versions of standardized Medigap plans.
As you can see, your Medicare costs and benefits can vary, depending on where you live and what’s available in your area. Because of this, it may be worth taking the time to shop around to find the coverage you need at an affordable price. Let me know if you have any questions about Medicare plan options in your specific location. You can learn more about my experience through my profile below. Or, if you like, we can talk about your options by phone or email: just use the links below to set up a phone appointment or get an email from me with plan information. If you’d like to see what’s available on your own, you can use our free comparison tool: just click the Compare Plans button on this page. Or, if you need assistance, call me or another licensed insurance agent.