Medicare Plans by State
Since Medicare plans vary from state to state, it’s important to search for state-specific Medicare plans by state to make sure you’re choosing the right plan for you. Before you shop, you should know that Medicare is made up of four parts: Original Medicare (Part A and Part B), Medicare Advantage (Part C) and Part D (prescription drug coverage). The availability and costs of plans can vary between each state and between each private insurance company. By comparing quotes in your area, you should be able to find a cost-effective plan that fits your health care needs.
Give us a call at
to learn more about Medicare plans. Our licensed agents are available to help you find a cost-effective plan that meets your health insurance needs. You can contact us from 6am to 7pm MT, Monday to Friday and 7am to 5pm MT on Saturday. We are closed on Sunday.
What is Medicare?
Before you start shopping, it’s important to understand what Medicare is: a health insurance program offered by the federal government to people who are 65 or older. Younger people with specific disabilities and people with End-Stage Renal Disease may also be eligible for the program.
Medicare has four different parts to it that help to cover specific health care services: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage), and Part D (Prescription Drug Coverage). Let’s take a general look at what each part covers below:
- Part A (Hospital Insurance): Covers inpatient hospital stays, care received in a skilled nursing facility, some care that can be given to you in your home, and hospice care.
- Part B (Medical Insurance): Covers specific doctors’ services, outpatient care, preventive services, and medical supplies.
- Part C (Medicare Advantage): Provides the same benefits as Part A and Part B. Most Advantage Plans also offer prescription drug coverage. These plans are bought through private insurance companies.
- Part D (Prescription Drug Coverage): Covers a list of covered drugs. Part D can be added to Part A and Part B (Original Medicare), Medicare Medical Savings Account Plans, some Private-Fee-for-Service (PFFS) Plans, and some Medicare Cost Plans.
Another popular type of private plan that many beneficiaries purchase is called Medicare Supplement Plans (Medigap). If you have Original Medicare, Supplement Plans can also be purchased to cover expenses. Medigap Plans are designed to help cover some or all of the costs that are your responsibility after Medicare pays, such as copays, coinsurance and deductibles. It’s important to remember that you can’t buy Supplement Plans if you currently have an Advantage plan. You can only have one or the other.
Where can you apply for a plan?
Depending on which part of Medicare you’re looking for, there are a variety of places you can sign up for a plan.
- Part A & B: You can sign up for Original Medicare by doing the following:
- Applying online on the Official Social Security Website.
- Visiting your local Social Security office.
- Giving Social Security a call at 1-800-772-1213.
- Filling out an Application for Enrollment in Part B (CMS-40B). If you don’t have Part A yet, you cannot apply for Part B.
- Part C (Medicare Advantage): There are a variety of Part C Plans out there that offer a range of benefits at different prices depending on where you live. It’s important to do your research to find a cost-effective plan that meets your healthcare needs.
- Part D (Prescription Drug Coverage): To receive the Medicare prescription drug benefit, you must enroll in a private plan. Make sure to carefully compare plans and their costs in your area. Call 855-802-1206 and our licensed agents can help you pick the right Part D Plan for you. We are available from 6am to 7pm MT, Monday to Friday and 7am to 5pm MT on Saturday. We are closed on Sunday. Remember, many Advantage Plans offer prescription drug coverage.
How can I choose cost-effective plans in my state?
If you’re shopping for Advantage, Part D or Supplement plans, make sure to do your research. Since private insurance companies offer these plans, you can expect prices and availability to vary by state and by company. Make sure to look for the following when comparing plans:
- Co-pays, deductibles, premiums, and other costs.
- Quality ratings
- Coverage restrictions
- Participating service providers, including doctors and hospitals
- Additional coverage
- Coverage while traveling