Medicare 101: Your Ultimate Guide to Getting Covered
Understanding Medicare may seem difficult and intimidating. It’s true that it’s a huge government program with lots of rules, time windows for signing up, and choices to make. Although Medicare is big and covers millions of Americans, we’re here to simplify it for you.
Whether you’re approaching Medicare age or trying to plan your future, let us answer some basic questions you may have. We break down Medicare into its various parts, coverages, and rules to help you decide what you will need when the time comes.
What is Medicare?
Medicare debuted in 1965 when President Lyndon B. Johnson signed a bill that created both Medicare and Medicaid. The programs’ purpose was to provide health care access for Americans who had difficulty getting it—namely older adults and those with limited incomes.
Medicare debuted in 1965 when President Lyndon B. Johnson signed a bill that created both Medicare and Medicaid
The Medicare program is administered by The Centers for Medicare & Medicaid Services (CMS), a division of the US Department of Health and Human Services (HHS) that is overseen by the President.
The 10 dos and don’ts of Medicare
If you’re new to Medicare, you may worry about making a mistake. Whether you’re anxious about missing those important enrollment periods or picking the right plan, we’re here to help. Here are a few Medicare dos and don’ts to ease the anxiety.
1. Do become a Medicare know-it-all. We understand; Medicare is complicated. Take a moment to educate yourself early on to save time and money.
2. Do learn how and when to sign up. To avoid coverage gaps and late enrollment fees, learn when enrollment periods are and the rules for signing up.
3. Do consider Part A even if you don’t qualify for premium-free coverage. Are you one of those who must pay if you want to get Part A coverage? You may still want to enroll to protect yourself in case you need care.
4. Do understand how your other coverage works with Medicare. Check out the section below about Medicare and other insurance. You may be able to keep your current coverage when you’re eligible for Medicare.
5. Do know what’s covered and what you’ll pay for care. Whether you enroll in Advantage, Supplement, or prescription drug coverage—or you keep Original Medicare—learn the details. Each plan has different rules, benefits, and costs. Learn what’s covered and how much you’ll have to pay—before you need care.
6. Do ask which type of plan may be best for you. Get help deciding which kind of Medicare coverage may best fit your health and budget needs. A good starting point is our Suggest-a-Plan tool.
7. Don’t drop your employer coverage just because you have Medicare. If you’re enrolled in your or your spouse’s employer or retirement plan, don’t assume you need to get rid of it. You may be better off keeping the plan and delaying your Medicare start date. (Just make sure you won’t be penalized!)
8. Don’t put off treatment if you need care. Medicare may not cover every penny of your health costs, but don’t put off getting care if you need it to stay well. Staying healthy should be your top priority.
9. Do consider getting more help with costs. If you have limited resources, you may qualify for one of several programs that could help you pay for your Medicare costs and coverage. Medicaid, Medicare savings accounts, and Extra Help are three programs that you may consider.
10. Don’t do it alone. Medicare can seem daunting if you’re figuring it out alone. Reach out to friends and family or talk to licensed insurance agents who can guide you through the process. If you need to talk, we can help! Contact one of our licensed agents at 877-920-0836. We’re available during the following dates and times: October 15 to December 7: Weekdays from 6 a.m. to 7 p.m. and Saturday 7 a.m. to 5 p.m. Mountain Time; we are closed Sunday. December 8 to October 14: Weekdays from 7 a.m. to 5 p.m. Mountain Time; we are closed weekends.
Medicare parts explained
Medicare first had two parts: Part A and Part B. Together, these parts are often called “Original Medicare” or sometimes “Traditional Medicare.” Both are still around today. Because of the different types of care each covers, people sometimes call Part A “hospital insurance” and Part B “medical insurance.” If you have Medicare coverage, you’re called a “beneficiary.”
The government established Medicare Part C in 1977 as a way to allow private insurance companies to offer coverage to beneficiaries. After several changes, Part C is now widely known as Medicare Advantage. Today, it’s a common way for beneficiaries to access care. Medicare Advantage replaces your Original Medicare (Part A and Part B) coverage and often includes extra benefits.
In the 1980s, Medigap was introduced to help beneficiaries pay for some of the costs left over by Original Medicare. Private insurance companies sell Medigap plans, which are also called “Medicare Supplement” plans.
Part D is the most recent piece of the Medicare puzzle. It helps beneficiaries pay for the costs of prescription drugs. Like Part C and Medigap, private insurance companies provide Part D coverage. You can purchase Part D as a stand-alone plan along with Original Medicare or packaged in with a Medicare Advantage plan.
What Medicare covers
Each part of Medicare covers a different range of health care services. For an overview of what Medicare helps you pay for, read below.
Part A – Hospital insurance
Part A helps pay for the costs of staying in the hospital plus more services. Here are common categories of Part A-covered services.
- Inpatient hospital stays and procedures
- Skilled nursing facilities
- Nursing homes
- Hospice care
- Home health care following an inpatient stay
- Blood you get in the hospital (after the first three pints each year)
For more details, read our page about Medicare Part A.
Part B – Medical insurance
Part B covers 100% of many preventive services, which includes services like these.
1. Counseling, therapy, and training:
- Alcohol dependency counseling
- Behavioral therapy to help lower your risk of heart disease
- Diabetes self-management training
- Medical nutrition therapy
- STI counseling
- Tobacco-cessation counseling
2. Doctor visits:
- “Welcome to Medicare” preventive visit
- Annual wellness visit
3. Screenings and tests:
- Abdominal aortic aneurysm screenings
- Alcohol misuse screenings
- Bone mass measurements
- Breast cancer screenings (mammograms)
- Cardiovascular disease screenings
- Cervical and vaginal cancer screenings
- Colorectal cancer screenings
- Depression screenings
- Diabetes screenings
- Glaucoma tests
- Hepatitis C screenings
- HIV screenings
- Lung cancer screenings
- Obesity screenings and counseling
- Prostate cancer screenings
- Sexually transmitted infection (STI) screenings
4. Shots and vaccinations:
- Flu shots
- Pneumococcal vaccines
- Hepatitis B vaccines
Another part of Part B is 80% coverage for the cost of most medically necessary services and items, including the following:
- Ambulance transportation services
- Blood and medical supplies
- Doctor visits
- Durable medical equipment (hospital beds, wheelchairs, walkers, etc.)
- Home health services
- Lab tests
- Outpatient care
Part B may also cover these services:
- Clinical research
- Mental health services
- Second opinions before surgery
- Limited outpatient prescription drugs
Part C – Medicare Advantage plans
Medicare Advantage, or Part C, plans are optional private plans that replace Part A and Part B but must have at least the same benefits. Sometimes, Advantage plans include more coverage than Original Medicare, such as these benefits:
- Dental services
- Vision services and eyewear (glasses, contacts)
- Hearing services and hearing aids
- Gym memberships
- Health and well-being programs
With some Part C plans, beneficiaries may only visit doctors who participate (have a contract) with the plan’s provider network.
Part D – Prescription Drug Plans (PDPs)
If you already have Part A and Part B, you’re eligible for Part D, too, and you have two ways to prescription drug coverage. You can buy a stand-alone Prescription Drug Plan (PDP), or you may be able to choose a Medicare Advantage plan with built-in prescription drug coverage.
The prescriptions that Part D helps you pay for depend on the plan’s “formulary,”† or list of covered drugs. Your plan’s formulary may have different coverage for drugs depending on whether they are generic or brand name or whether they come from a retail or specialty pharmacy.
Part D coverage also usually has different levels of coverage called “tiers.” These tiers are numbered, usually as Tier 1, Tier 2, and so on. Check your plan’s summary of benefits to see if the medications you take are covered and how.
Also known as Medigap, Medicare Supplement plans allow you to keep Original Medicare and get help paying for some of the things the traditional coverage doesn’t cover. These costs may include the Part A and Part B deductibles, copayments, and coinsurance. Some Medigap plans also cover care you need while traveling overseas or the leftover charges after Medicare pays your providers.
Private insurance companies sell Medigap plans, but federal and state laws standardize the benefits. Each plan is designated by a letter (Plan A, Plan B, and so on) and pays for a different range of Medicare costs and extra benefits.
Prescription drugs are not covered by Medigap. If you need help paying for medications, you’ll need to buy prescription drug coverage. But you cannot enroll in both Medicare Supplement and Advantage plans. You must buy a stand-alone Part D plan to add to your Original Medicare plan if you want to keep your Medigap coverage.
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Your coverage choice
Because Original Medicare doesn’t cover everything, it sometimes leaves beneficiaries with high out-of-pocket costs. Purchasing a Medicare Advantage, Supplement, or Part D prescription drug plan may help with these costs. These plans could ease the financial burdens of relying solely on Part A and Part B for your health coverage.
It’s important to remember that private plans often charge a monthly premium* for the added coverage that goes beyond what Original Medicare typically pays for.
Part C, or Medicare Advantage, plans come in a few different flavors and, depending on what’s available in your area, you may get to choose from any of them. The primary difference between the five plan types is how flexible your provider choices are.
- Health Maintenance Organization (HMO) plans: These plans are the most restrictive of all Medicare Advantage plans. Usually, you can visit providers only within the HMO network. You may also have to get a referral to see a specialist. HMO plans tend to have the lowest premiums on average when compared to the other Advantage plan types.
- Preferred Provider Organization (PPO) plans: PPO plans give you greater flexibility than HMOs when choosing where to get care. But these plans still have a provider network, and you might have to pay more to see a provider outside the network. Your premium* may also be higher with a PPO plan than an HMO plan.
- Private Fee-for-Service (PFFS) plans:‡ For the greatest flexibility when choosing providers, PFFS plans offer wide access. Unlike most Advantage plans, for which Medicare sets the costs of services, a company that offers PFFS plans can choose the prices it will pay providers and the costs you’ll pay. This greater degree of flexibility usually means PFFS plans are more expensive than HMOs or PPOs.
- Special Needs Plans (SNPs): Individuals with certain conditions or a particular living situation may be able to choose an SNP Advantage plan. Companies can tailor the coverage for SNPs to suit the unique health needs of the beneficiary. Common reasons for getting an SNP include living in a nursing home or having a chronic condition like diabetes or HIV/AIDS. SNPs typically have some provider restrictions like networks or specialist referrals.
- Health Maintenance Organization–Point of Service (HMO-POS) plans: This is a long name for a less commonly purchased plan. It’s like an HMO but with the option to choose out-of-network providers for some care. You’ll pay a higher cost to see the POS providers rather than stay within the HMO network.
Your choices for Medigap differ based on the individual lettered plan. Some offer comprehensive coverage for your Part A and Part B expenses, while others cover just a part. Also, a few plans help pay for services that Original Medicare doesn’t, like foreign travel emergency services or the Part B excess charges.
To find out what each plan covers, refer to the chart below. Note that not all Supplement plans are available in all areas.
All plans cover your Part A coinsurance costs for inpatient hospital stays, with a limit of 365 days after you used up the Part A benefits.
Each plan also covers at least part of your coinsurance or copayment for Part B services, hospice care, and up to three pints of blood you receive while in the hospital.
Every plan except Plan A covers all or part of your Part A deductible. Two plans—Plan C and Plan F—also cover the Part B deductible. These plans are sometimes said to have “first-dollar coverage” because you don’t need to meet your deductible for Part A and/or Part B services.
In some areas, you may be able to buy special versions of Medigap plans. These have slightly different coverage than the standard plans listed in the chart above.
- High-deductible Plan F: This plan requires you to meet a yearly deductible before it begins paying for services. Because your share of the costs of services is higher, High-deductible Plan F has a lower premium than the standard version.
- Medigap Select plans: You may be able to choose a special “Select” version of a Supplement plan that offers a lower premium for benefits similar to those offered in a traditional Medigap plan. But Select plans require you to use the plan’s provider network for care. These plans are often named SELECT Plan A, SELECT Plan N, etc.
Prescription drug coverage
You have two basic options for getting Medicare prescription drug coverage. You can purchase a stand-alone Part D Prescription Drug Plan (PDP) or Medicare Advantage Prescription Drug Plan (MA-PD).
With MA-PD plans, prescription drug coverage is built into a Medicare Advantage plan. This means you may not have a choice of different types of prescription coverage in this market. Your choice may be either a Medicare Advantage plan with prescription coverage or without.
Stand-alone PDP choices vary in premium* costs, formulary,† and utilization requirements like step therapy.
With either type of prescription drug coverage, you’ll want to make sure that any medication you currently take or expect to take in the future is covered—and that you’re comfortable with the drug’s cost charged under the plan.
When and how to enroll
One of the trickiest parts of Medicare is knowing when you can enroll in coverage or when you can make changes. There are several different spans of time called “enrollment periods” that you should be aware of. These are the periods that may affect you:
- Initial Enrollment Period (IEP)
- General Enrollment Period (GEP)
- Annual Election Period (AEP)
- Special Enrollment Periods (SEPs)
Initial Enrollment Period (IEP)
The IEP is your first chance to sign up for Medicare when you’re granted beneficiary status. Usually, this happens around your 65th birthday but may also be triggered if you acquire a disability or certain conditions.
General Enrollment Period (GEP)
If you don’t sign up for Medicare when you first have the chance, you’ll get another chance. The GEP is a yearly period from January 1 to March 31. Waiting until the GEP to sign up may mean you must pay a late enrollment penalty to get coverage.
Annual Election Period (AEP)
Sometimes referred to as “open enrollment,” AEP is the time when you may be able to make changes to your Medicare coverage. AEP is October 15 to December 7 each year. Changes you might be able to make include the following:
- Switching from Original Medicare to Medicare Advantage (with or without prescription drug coverage)
- Switching from Medicare Advantage to Original Medicare
Special Enrollment Period (SEP)
Certain circumstances may qualify you to make changes to your health plan outside of the regular enrollment and election periods. You may be granted an SEP if you experience at least one of the following:
- You move and your plan isn’t offered at your new address.
- You move and your current health plan has more options than it did at your previous address.
- You used to live outside the United States and have now moved back to the States.
- You now live in a long-term care situation, such as skilled nursing care.
- You were just released from incarceration.
- You’ve lost coverage, including Medicaid, employer, or COBRA coverage.
- You or your spouse can now get other coverage such as a retirement plan.
- Your health plan changes or ends its Medicare contract.
- Your health plan didn’t give you certain information about your plan’s coverage.
- You qualify for Medicaid.
- You lose or newly qualify for certain programs such as Part D Extra Help.
- You newly qualify for a Special Needs Plan due to a disability or condition.
Check with Medicare for more details and whether you qualify for an SEP.
The costs you pay for Medicare
Your costs for Medicare coverage include several different parts. Each portion varies by the type of plan you choose and even sometimes your location and health and information.
- Premium: This is the amount (usually monthly) that you pay to have Medicare coverage.
- Deductible: This is a yearly amount that you must pay for certain services before your plan kicks in and starts covering the costs.
- Cost sharing: Many plans include cost sharing, which means you pay a part of the costs for a service while the plan pays the rest. Cost sharing can be a copayment or a coinsurance. Copayments are often a set dollar amount like $25. Coinsurance may be a set dollar amount or a percentage of the cost such as 20%.
- Penalties and extra costs: In certain instances, you may have to pay extra costs or penalties due to Medicare rules. Each Medicare type has different rules, so be sure to learn the costs before you enroll in a plan.
Part A costs
Original Medicare Part A is often called “hospital insurance” because a large portion of the coverage goes to pay for inpatient (overnight) stays in a hospital. Although most people get Part A premium-free, you’ll likely pay some costs associated with the coverage.1
- Premium: In general, if you’re turning 65 and you or your spouse have worked and paid Medicare taxes, you get Part A premium-free. Certain disabilities and conditions, like end-stage renal disease (ESRD), also qualify you for premium-free Part A. Others may have to pay a Part A premium. The amount in 2017 is either $227 or $413 depending on how much you paid in Medicare taxes during your lifetime.
- Deductible: Part A has a yearly $1,316 deductible in 2017. This deductible applies to your inpatient hospital visits.
- Cost sharing: After you meet your Part A deductible, you’ll pay a different coinsurance depending on the length of your hospital stay. For the first 60 days, your coinsurance is $0. Days 61 through 90 require $329 per day. After that, you pay $658 per day as you use up your 60 “lifetime reserve days.” If you use up all lifetime reserve days in a single year, you’ll pay the full cost for hospital stays after day 90.2
- Late enrollment penalty: People who don’t get Part A automatically must sign up when they are first eligible. Otherwise, they pay a 10% penalty in addition to their Part A premium for twice as long as they’ve gone without Part A coverage. For example, going six months without coverage results in paying the penalty for one year.3
Part B cost
Part B helps pay for preventive care (care that keeps you from getting sick) and care that Medicare considers medically necessary. Your costs for Part B vary depending on the type of service, which we break down below.4
- Premium: Most people pay the standard Part B premium, which is $134 if you enroll for the first time in 2017. Some people pay more than the standard premium because their income is higher, while others with a lower income pay a smaller or even zero premium. For more details, visit our page on Part B premiums.
- Deductible: The 2017 Part B deductible is $183. It applies to most care that Medicare considers medically necessary like doctor visits, outpatient hospital care, and medical equipment.
- Cost sharing: In general, you’ll pay 20% for covered Part B services after you meet your deductible. Some services, like preventive care, don’t require cost sharing. You can visit medicare.gov to find out the cost for specific services.
- Late enrollment penalty: If you don’t enroll in Part B coverage when you’re first eligible, you may have to pay a late enrollment penalty. The penalty raises your premium by 10% for each 12-month period you didn’t have coverage when you could have.5
Prescription drug coverage costs
There are two ways to get Medicare coverage for prescription drugs. The first is to buy a Medicare Advantage plan that includes prescription drug coverage. Your other option is to buy a stand-alone Part D Prescription Drug Plan (PDP) from an insurance company. The costs for drugs on these plans vary depending on the plan you choose and the drugs covered on the plan.
- Premium:* If you purchase an MA-PD plan, your premium includes drug coverage. For stand-alone coverage, you’ll pay a monthly premium to the insurance company for the drug plan itself.
- Deductible: Both types of drug coverage may include a yearly deductible. Sometimes the deductible applies to all drug types, while others apply only to specialty drugs.
- Cost sharing: Drug costs are often broken down into categories called Tiers that each have different cost-sharing rules. For example, you may buy a plan that has a $0 copayment for retail generic drugs but a 40% coinsurance for specialty brand-name drugs. Your cost for drugs also depends on which phase of Part D coverage you’re in. Learn more about Part D phases and coverage on our website.
- Late enrollment penalty: You don’t have to sign up for Part D, but if you do and you don’t follow enrollment rules, you may have to pay more for coverage. The late enrollment penalty could apply if, once you are eligible, you go at least 63 days without Part D coverage before signing up. Visit our Part D cost page to find out how to calculate your late enrollment penalty.
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You can buy an Advantage plan from Medicare-approved private insurance companies. These plans must cover no less than the same benefits that Original Medicare does. But many Advantage plans cover more, and the costs for your plan can also vary depending on the type of plan and the covered benefits.
- Premium:* You may pay a monthly amount to an insurance company for the plan. The amount depends in part on the included benefits, provider network, and other factors. Unless your plan also helps pay for your Part B premium, you’ll continue paying your Part B premium to Medicare.
- Deductible: Some Advantage plans may require you to pay a yearly deductible for covered services. Prescription drugs, if covered, may require a separate deductible.
- Cost sharing: Like with Original Medicare Part A and Part B coverage, your cost for getting care with an Advantage plan depends on the type of service. For example, you may pay a set $30 copayment for doctor visits and 20% for medical equipment. If your plan includes prescription drug coverage, you’ll have specific cost-sharing rules for medications
- Late enrollment penalty: If Medicare required you to pay a late enrollment penalty for Part B and/or Part D, you’ll continue to pay the penalty to Medicare.
Private insurers sell Medicare Supplement plans, and plan premiums can vary widely among companies. But the benefits and cost sharing in most states don’t differ from company to company. That’s because the coverage is set by state and federal law, so whether you buy Plan F in California or West Virginia, your benefits are the same.
Massachusetts, Minnesota, and Wisconsin standardize plans differently than the rest of the country. Speak to a licensed Medicare insurance agent to learn the Medigap benefits, costs, and rules in your state.
- Premium: Insurance companies set your Medigap premium in one of three ways, which are called “rating” methods. Each method takes different factors into account for setting plan prices. These factors could include your age, when you buy, and inflation. For a breakdown of rating methods, visit our Medigap page.
- Deductible: The only Supplement plan that requires a separate deductible is the high-deductible version of Plan F. If you buy this plan, you must meet the deductible before coverage starts.
- Cost sharing: Medigap plans help cover all or part of your Original Medicare costs, which means that some plans leave you with a portion to pay out of pocket. Refer to the chart earlier on this page for details.
How Medicare works with other insurance
Medicare is designed to help Americans pay for health care costs, but sometimes people need more coverage. Certain rules apply to having more than one kind of coverage.
Employer coverage: If you or your spouse get health insurance from an employer or retirement plan, you may be able to keep your current plan when you enroll in Medicare. But specific rules apply, so make sure you speak to your plan sponsor before you decide.
Medicaid: Many Americans qualify for both Medicare and Medicaid, the US program for people with limited resources. These “dual eligibles” have most of their health care covered, but Medicare always pays first.
Veterans benefits: Current or former US military members and their families usually get health care through Tricare, and they may also have Medicare. Medicare is the primary payer except when you get care from a military or federal facility.
Obamacare: You may have individual health coverage through the Affordable Care Act (ACA or Obamacare) Marketplace. If so, you’ll need to decide whether to keep the Marketplace plan when you become eligible for Medicare. But you can’t keep receiving tax credits for Marketplace plans once you enroll in Medicare.6
Continue to learn more information and see how Medicare works with more types of insurance.
22 common Medicare words and phrase
Confused about what the donut hole is? Not sure what the difference between HMO and PPO is? Let us try to clear up some of the common terms and abbreviations you may see when learning about Medicare.
1. CMS: The Centers for Medicare & Medicaid Services (CMS) is the US federal agency tasked with running the Medicare and Medicaid program
2. Coinsurance: You may have to share the cost of care with your health plan. A coinsurance usually refers to a percentage, like 20%, of the overall cost.
3. Copay/copayment: Either way it’s spelled, many health plans require you to pay a copayment for services. Usually, it means a set dollar amount, such as $15.
4. Cost sharing: Coinsurance and copayments are both methods of cost sharing between you and your health plan.
5. Coverage: Often used interchangeably with “plan,” health coverage refers to the balance of liability that you and your insurance plan (or the government) agree to.
6. Donut hole/coverage gap: Part D plans include certain phases in which your prescription drugs have different costs. The donut hole, or coverage gap, is a phase in which your costs may rise until you reach a specific amount of out-of-pocket costs.
7. Deductible: Many insurance plans have a yearly deductible you must meet before the coverage kicks in.
8. Enrollment period: Different rules apply for when you can sign up for Medicare coverage, including the time periods during which you can do so. See the section above about enrollment periods for more information.
9. Extra Help: You might qualify to get help paying for your Part D prescription drug costs through this federal program.
10. Formulary:† The formulary is the list of covered drugs on a prescription drug plan or Medicare Advantage plan with drug coverage.
11. Health Maintenance Organization (HMO): A type of Medicare Advantage plan, HMOs typically have rules like getting a referral to see a specialist.
12. Late enrollment penalty: If you don’t sign up for Medicare coverage when you’re first eligible, you might have to pay extra when you get it later. Different coverage types have different rules and penalty amounts.
13. Medical Savings Account (MSA): Like some plans in the private insurance market, MSAs pair a high-deductible Advantage plan with a savings account that allows you to put money aside to pay for health costs.
14. Network: Advantage plans have provider networks, which are the pools of doctors, hospitals, and other providers that they contract with to provide care. Some plans require you to stay within the network and only visit providers participating with the plan’s network.
15. Prescription Drug Plan (PDP): You might get your Medicare Part D coverage in the form of a stand-alone PDP offered by private insurance companies.
16. Private Fee-for-Service (PFFS): Unlike most Advantage plans, a PFFS plan can set its own payment terms for care.
17. Preferred Provider Organization (PPO): For more flexibility when choosing which doctors you can visit, you may enroll in a PPO plan that lets you see out-of-network providers (usually at a higher cost).
18. Premium: The monthly amount you pay for health coverage is your premium.
19. Provider: This is an umbrella term that includes the medical professionals and facilities that provide care, including physicians, specialists, clinics, hospitals, and medical equipment companies.
20. Referral: On some plans, you may have to ask your primary care doctor to give you a referral, or express permission, to visit a specialist.
21. Special Needs Plan (SNP): If you have a certain condition or disability, you may qualify for a unique type of Advantage plan called an SNP.
22. Tiers: Prescription drug coverage is often broken down by categories of drugs called Tiers (e.g., Tier 1, Tier 2). Lower tiers typically have lower copayments than higher tiers.
* You must continue to pay your Medicare Part B premium.
† The formulary may change at any time. You will receive notice when necessary.
‡ A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.
1. Medicare.gov, “Part A Costs”
2. Medicare.gov, “Inpatient Hospital Care”
3. Medicare.gov, “Part A Late Enrollment Penalty”
4. Medicare.gov, “Part B Costs”
5. Medicare.gov, “Part B Late Enrollment Penalty”
6. Healthcare.gov, “Changing from the Marketplace to Medicare”