Medicare Annual Enrollment Period

The ABC’s (and D’s) of Medicare

Help our patients understand the pros and cons of the different types of Medicare. Here’s a quick overview.

Original Medicare

  • Includes Part A (hospital insurance) and Part B (medical insurance).
  • Only pays for about 80% of healthcare costs.
  • Doesn’t cover every type of service.
  • Doesn’t cover most dental, vision and hearing services.
  • Covers only a small number of medications.
  • Has no out-of-pocket limit.

Medicare Supplement (Medigap)

  • An add-on to Original Medicare.
  • Covers remaining costs once Original Medicare has paid its share.
  • Only covers services Original Medicare covers.
  • Doesn’t include prescription drug coverage.

Medicare Part D

  • Prescription drug coverage.
  • For those on Original Medicare, Part D is an add-on they purchase separately from a private insurance company. If they don’t enroll when they’re first eligible, they’ll pay a penalty if they choose to add Part D later.

Medicare Advantage (Part C)

  • Takes the place of Original Medicare.
  • Typically combines Parts A, B and D (hospital, medical and prescription drug coverage) in one single plan.
  • Plans have out-of-pocket limits, so members won’t pay over a certain amount.
  • Plans often include dental, vision and hearing coverage.
  • Plans can include extra perks such as fitness benefits and wellness programs.

Please remind our patients to review their Medicare coverage by December 7. They can learn more by:

  • Calling (877) 642-4753 (TTY 711).
  • Attending a webinar to learn about our Simplete® Riverside Medicare Advantage plans.
  • Visiting this page about Medicare and this link about our Simplete plans.
  • Visiting to view plans, enroll and more.