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Explore Plans in Your Area

"easyMedicare made getting the coverage
I deserved easy and saved me a great deal of money."

- Joe Theismann

Joe Theismann - NFL MVP and Super Bowl Champion

Compare Medicare Plans

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"easyMedicare made getting the coverage I deserved easy and saved me a great deal of money."

- Joe Theismann

Joe Theismann - NFL MVP and Super Bowl Champion

Online Enrollment in Medicare (Continued)

Choosing Between Original Medicare and Medicare Advantage

Medicare’s original parts, Part A and Part B, still offer great coverage for millions of beneficiaries, but the program has expanded coverage with Medicare Advantage plans and Medicare Part D (Prescription Drugs) to cover a wider variety of circumstances and lifestyles.

To better assess whether Original Medicare or Medicare Advantage is best for you, it can be helpful to go back to the basic — the A, B, C and D of Medicare:

  • Part A — covers inpatient care such as hospital care, hospice care and more
  • Part B — covers outpatient care such as doctor visits, ambulance rides, medical equipment and more
  • Part C (Medicare Advantage) — Part A and Part B offered by private insurers, typically with additional services not covered by Original Medicare
  • Part D — subsidizes the cost of prescription drugs included in Medicare’s formulary, a massive list of approved medications

Put simply, the choice between Original Medicare and Medicare Advantage comes down to a choice between core healthcare services and expanded coverage.

Consider Original Medicare if your primary healthcare needs are doctor visits, emergency care, urgent care, mental healthcare and prescription drug coverage. Or browse Medicare Advantage plans if you need all that Original Medicare offers and more: vision care, dental care, non-emergency transportation, expanded prescription drug coverage, meal delivery or other extras.

Reviewing Your Quotes Before Enrolling Online

Just about as critical as understanding the parts of Medicare, it’s important to have a firm understanding of how each part factors into your quote. You can get clear estimation of your potential costs with online Medicare enrollment. These are the factors you’ll need to consider when reviewing and comparing your quotes:

Premiums

Premiums for Part A for most people are set at $0. It isn’t exactly free, but the cost is set at $0 for people who paid Medicare taxes through payroll deductions for at least 40 quarters — which totals ten years. If you didn’t contribute enough over the course of your career, you may have to pay a monthly premium for Part A.

Along with Part A premiums, you’ll also have premiums for any other parts you choose. If you’re considering a Medicare Advantage plan, your premiums for Part D (Prescription drugs) may be wrapped into your Part B premiums.

Every year, the Centers for Medicare and Medicaid Services publish the monthly prices for coverage. You may have premiums that are slightly higher than the published price if your income exceeds a certain amount or if you incur penalties for enrolling in Medicare late.

Deductibles, Coinsurance and Copays

Like premiums, rates for deductibles are published annually, ahead of the effective year. While you can get $0 premiums for Part A, it still includes a deductible. If you’re admitted into a hospital, you’ll be responsible in part for the expenses and will be asked to pay a deductible. And if your hospital stay, or follow-up care, exceeds 60 days, you may have to pay coinsurance for additional services.

For Part B, you’ll have a deductible. After it’s met, you’ll have to pay a coinsurance charge of 20% for outpatient services and doctor visits approved by Medicare.

Part D premiums, coinsurance and copays will vary based on the coverage you choose.

Making Your Quote Fit — Saving on Medicare Coverage

Comparing quotes and choosing a plan that fits your needs can become a lot harder than it should be, if the plan you need won’t fit comfortably within your budget. However, there are supporting programs available to help you get the coverage you need without busting your budget.

Medicaid

It started out as a federal and state program to provide some assistance to individuals and families with low incomes, but the program has since expanded in many states to even more people who could use help covering medical expenses.

You could qualify for Medicaid if your income falls within the limits, you’re pregnant, you have a disability or you care for a child who qualifies for Medicaid through the Children’s Health Insurance Program (CHIP).

Medicare Savings Programs

These four programs can help you pay for your Medicare coverage. The parts of Medicare each program will cover vary, as does their eligibility criteria. You could qualify for one or more of these programs if your income falls within their limits.

Extra Help

This program helps beneficiaries cover the costs associated with Part D (Prescription Drugs) coverage. Three of the four Medicare Savings Programs include the added benefit of automatically qualifying eligible beneficiaries for the Extra Help program.

Easy Medicare Online Enrollment

You can use the Medicare Online Enrollment Portal to easily browse plans in your zip code and compare their costs and benefits. Add your doctors and prescriptions to find out whether they’re included in the plans you’re considering. When you find a plan that’s right for you, the portal will take you step by step through the enrollment form for that plan. Enrolling online is just that easy.

Still have questions about Medicare? We would love to help you further! Contact us by calling 1-800-991-4407 / TTY 711, between the hours of 8 a.m. and 9 p.m. ET, weekdays, to get answers from a licensed Medicare agent.