What Type of Medicare Plan Might Be a Good Fit for You?

Pamela Cannaday by Pamela Cannaday | Licensed since 2011

This article was updated on: 02/16/2019

Are you new to Medicare? Choosing Medicare coverage can be a challenge. There may be several Medicare coverage choices in your vicinity. But how do you know which Medicare coverage choice might work for you?

Medicare coverage choices: what are they?

When you become eligible for Medicare, in most cases you’ll be automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance). Together, Part A and Part B are also known as Original Medicare. They come with certain costs, such as deductibles, copayments, and coinsurance. Most people pay a monthly premium for Part B, but if you’ve worked at least 10 years while paying Medicare taxes, you generally won’t pay a Part A premium.

You can stay with Original Medicare, and optionally enroll in:

  • A stand-alone Medicare Part D Prescription Drug Plan


Alternatively, you can get your Original Medicare (Part A and Part B) benefits through a Medicare Advantage plan (except hospice benefits, which Part A still provides). You need to continue paying your Medicare Part B monthly premium, as well as any premium the plan may charge you.

Medicare coverage choices and your particular needs

You’re the only one who can decide what type of Medicare coverage to get. But if you’d like a quick list of points to consider when you’re looking at Medicare plan options, here’s an easy-to-read flow chart.

You may want

  • Medicare Part A*

You may want

Find Plans

What with several different Medicare plan options that may be available where you live, you might have questions. I can walk you through the Medicare plan options and answer your questions.

  • To have me email you customized information about Medicare plan options, you can follow the links below.
  • To explore Medicare plan options in your area with no obligation, click the Find Plans or Compare Plans buttons on this page anytime.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Pamela Cannaday |
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