Medicare Plans
YOUR MEDICARE OPTIONS, EXPLAINED
Understanding your Medicare options
Medicare doesn't have to be overwhelming. There are three core ways to build your coverage — and the right combination depends on your health, your doctors, your prescriptions, and your budget.

THE THREE BUILDING BLOCKS

Three ways to build your coverage
Yolanda will help you understand each one and find the combination that makes sense for you — across many carriers, with no pressure and no cost.

 

PART C

Medicare Advantage
 
All-in-one plans bundling hospital, medical, and usually drug coverage — often with extras.
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MEDIGAP
Medicare Supplements
 
Cover the roughly 20% Original Medicare leaves behind, with freedom to choose any doctor.
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PART D

Prescription Plans
 
Standalone drug coverage to keep prescription costs down — ideal paired with a Supplement.
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PART C
Medicare Advantage

Medicare Advantage Plans (also called "Part C" or "MA Plans") are offered by private companies approved by Medicare. When you join one, the plan provides all of your Part A (hospital) and Part B (medical) coverage in a single plan — and most include prescription drug coverage (Part D), too. Many also offer extras Original Medicare doesn't, like dental, vision, hearing, and wellness programs.

Types of Medicare Advantage plans:


HMO

Care is generally limited to the plan's network, except for urgent or emergency situations. You'll usually need a referral to see a specialist.
 
PPO

Pay less in-network and more out of network — but you have the flexibility to do either, without referrals.
 
PFFS

Private Fee-for-Service plans work much like Original Medicare; you can generally see any provider who accepts the plan's terms.
 
SNP

Special Needs Plans tailor coverage for specific groups — such as those with both Medicare and Medicaid or certain chronic conditions.
 
Who can join? You must have Medicare Parts A and B and live in the plan's service area.

What does it cost? Along with your Part B premium, you usually pay one monthly plan premium. Costs vary, so it's worth comparing plans in your area.

What's covered? Everything Original Medicare covers, plus emergency and urgent care anywhere in the U.S. — and often extras like dental and vision.

Good to know: Benefits can change year to year, so let's make sure your plan still fits before each new plan year. Not sure which type is right for you? That's exactly what Yolanda is here for.
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MEDIGAP
Medicare Supplements

Original Medicare (Part A for hospital, Part B for medical) is designed to cover only about 80% of your medical costs. The remaining 20% — deductibles, copays, coinsurance, durable medical equipment, and more — is your responsibility, and it can add up to thousands of dollars. A Medicare Supplement plan (also called Medigap) helps cover that gap, protecting your savings and your peace of mind.

Why people choose a Supplement:


Freedom of choice

Use any doctor or hospital that accepts Medicare. No networks, no referrals to worry about.
 
Predictable costs

Far less worry about surprise out-of-pocket bills after every visit or procedure.
 
Flexibility

Choose any carrier — and you don't have to use the same company for your Supplement and your drug plan.
 
Travel Friendly

Because there are no networks, your coverage travels with you anywhere Medicare is accepted in the U.S.
 
One important note: Medicare Supplement plans do not include prescription drug coverage. If you choose a Supplement, you'll want to pair it with a separate Part D plan to cover your medications — Yolanda can set up both.
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PART D
Prescription Drug Plans

Tired of high prescription costs? Medicare offers prescription drug coverage (Part D) to everyone with Medicare. If you don't sign up when you're first eligible — and you don't have other creditable drug coverage — you may face a late enrollment penalty that follows you, so it pays to get this right the first time.

Two ways to get drug coverage:


Standalone Part D

A separate prescription drug plan added to Original Medicare or a Medicare Supplement.
 

Advantage with drug coverage

A Medicare Advantage plan that includes drug coverage (an "MA-PD"). You must have Parts A and B to join.
 
How plans work: Each plan has its own formulary — a list of covered drugs sorted into "tiers." Lower tiers generally cost you less; higher tiers cost more.

Need a higher-tier drug? You or your doctor can request an exception for a lower copay.

Formulary changes: Plans can adjust formularies during the year within Medicare's rules — but must give at least 60 days' notice, or a 60-day supply and notice at refill.

Yolanda's approach: Formularies and costs differ a lot between plans. Yolanda will compare them against your actual medication list to find your lowest-cost option.
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Not sure where to start?

That's exactly what Yolanda is for. One free conversation, and she'll map out your best options across many carriers — no pressure, no cost.
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Or call directly: (516) 655-2255