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Original Medicare has two parts:

Medicare Part A covers hospital stays

Medicare Part B covers doctor and outpatient visits

When are you eligible for Medicare?

You’re eligible for Original Medicare (Parts A and B) if:

You’re at least 65 years old, or you’re under 65 and qualify on the basis of a disability or other special situation and you’re a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years. Generally, Medicare covers 80% of medical cost and you are responsible for 20%.

Medicare Supplements Plans (Medigap)

Medicare Supplement Insurance pays for some of the expenses not covered under original Medicare (Parts A and B). Medicare supplements are not designed to replace Medicare. Instead they supplement Original Medicare by paying for co-payments, coinsurance, deductibles and more. Medigap or Medicare Supplemental Insurance plans are standardized by the same agency that oversees Medicare, but these plans are sold and administered by private companies.

Medicare Advantage Plans

Medicare Advantage plans are health insurance plans which are approved by Medicare and run by private insurance companies. Medicare Advantage plans are required to provide all Medicare Part A and Medicare Part B benefits. Medicare Advantage Plans may also include prescription drug coverage. Most Medicare Advantage Plans also add additional benefits like dental or vision coverage, health club memberships, medical transportation, or coverage for hearing aids.

Medicare Part D Prescription Drug Plans

Part D adds prescription drug coverage to Original Medicare and some Medicare Advantage plans. These plans are offered by private companies approved by Medicare, and must follow guidelines established by The Centers for Medicare and Medicaid Services. If you do not join a Medicare Prescription Drug Plan (Part D) when you're first eligible and you don't have other creditable prescription drug coverage or don't get Extra Help, you'll likely pay a late enrollment penalty when you do join a plan.