Understanding Your Options

Column 1: Shows how you can add to your Original Medicare Plan with Part D Prescription Drug Coverage.

Column 2: Shows a simpler option for you – an option that may save you money, give you more benefits, and keep all of your coverage with a single source. This option is a Medicare Advantage Plan.

Column 1

Column 2

Original
Medicare Plan
Part A (Hospital Insurance) & Part B (Medical Insurance)

Medicare
Advantage Plans
(Part C)

  • Medicare provides this coverage
  • After you meet your Part A deductible, generally Medicare pays 80% of covered costs, and you pay 20%
  • You must pay your Part B monthly premium. Premium may vary based on your tax filing status and annual income
  • Include BOTH Medicare Part A (hospital insurance) and Part B (medical insurance) coverage
  • Many plans available with Part D Prescription Drug Coverage
  • Offer you additional benefits beyond original Medicare alone
  • Private insurance companies, like ConnectiCare, are approved by Medicare to provide this coverage
  • One monthly plan premium. Monthly plan premiums begin at $0. You must still pay your Part B Premium
  • All your benefits offered through a single health plan

For additional premiums, you can add:

Part D Prescription Drug
Coverage – optional

  • If you want this coverage, you must join a Medicare Prescription Drug Plan run by a private company, approved by Medicare
  • Additional monthly premiums apply

For additional premiums, you can also add:

Supplemental Coverage – optional

  • Helps fill in the gaps in Part A and Part B coverage
  • Run by private companies
  • Generally do not provide any more benefits than Original Medicare
  •  Additional monthly premiums apply