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What is Medicare? Is it enough?

Medicare is health insurance for people ages 65 and up, and about 60 million Americans relying on it. It helps pay for basic health care: doctor and hospital visits, x-rays, lab tests, and more.

But a normal Medicare plan, also called Original Medicare or Medicare Parts A and B, comes with out-of-pocket costs and plenty of exclusions. Most people need better health insurance coverage than what Medicare offers.

That’s where Medicare Supplement and Medicare Advantage plans come in. They plug Medicare’s coverage gaps, giving you better health care at a better price. Nearly one in four Americans on Medicare choose to enhance their coverage with Medicare Supplement.

Medicare Supplement Plan Types & Benefits

Great news: you have lots of plan options to choose from! Not-so-great news: all those choices means finding the right plan takes some effort.

So which plan is best for you? It depends on your needs. Do you travel a lot? Do you prefer low premiums and higher out of pocket costs? Or vice-versa? Each plan type comes with different pros and cons.

Over half of Americans who buy a Medicare supplement plan choose Plan F. Why? It offers extensive and well-rounded coverage, saving you money in the long-run, even with a higher monthly premium.

Medicare Costs & Savings

	Medicare Part A Deductible	Medicare Part A Coinsurance for Inpatient Hospital Stay	Medicare Part A Coinsurance for Skilled Nursing Facility Care	Medicare Part B Deductible	Medicare Part B Copayment
Medicare	$1,340 per benefit period	Up to $670 per day	Up to $167.50 per day	$183 per year	Typically 20% of the Medicare-approved amount
Medicare with Supplement Plan F	$0	$0	$0	$0	$0

Medicare	Medicare with Supplement Plan F
Medicare Part A Deductible$1,340 per benefit period	Medicare Part A Deductible$0
Medicare Part A Coinsurance for Inpatient Hospital StayUp to $670 per day	Medicare Part A Coinsurance for Inpatient Hospital Stay$0
Medicare Part A Coinsurance for Skilled Nursing Facility CareUp to $167.50 per day	Medicare Part A Coinsurance for Skilled Nursing Facility Care$0
Medicare Part B Deductible$183 per year	Medicare Part B Deductible$0
Medicare Part B CopaymentTypically 20% of the Medicare-approved amount	Medicare Part B Copayment$0