Medicare Coverage Choices: Which is Best for You?

Folks who look into Medicare probably wonder which options provide the best Medicare insurance, and as it goes with most things, the best is a matter of personal factors and preferences. Our guide will help you pinpoint the best Medicare choices for you, so you're covered one-hundred percent when you need medical services and doctor's assistance.

The Best Medicare Insurance is Different for Everyone

You are able to apply for Medicare insurance as soon as you turn 65, and the sooner you sign up for the benefits, the sooner you will receive them. The tricky aspect of Medicare is its many facets: Medicare comes in four parts, lettered A through D, and each part covers a different facet of your potential health needs. Parts A and B usually come packaged together, though you may choose to opt out of one of them if you don't need it. The same goes for parts C and D, and it takes a good amount of research to figure out which parts of Medicare you will need. This is because Medicare may work in tandem with the health insurance you possess prior to receiving Medicare, and it is up to you to determine how your current insurance plan(s) interact with Medicare. Knowing this is a daunting process, we will help as much as we can!

Original Medicare: Part A and Part B

The bread and butter, if you will, of Medicare health insurance is the double-whammy of part A and part B. Specifically, part A is referred to as hospital insurance. Part B is referred to as medical insurance. Part A is the one that most often sticks with folks as soon as they turn 65 because many other health insurance plans don't completely cover hospital costs, although part B can stick with you if you don't possess any prior form of medical insurance. The good news in this regard is that part A and part B will be automatically assigned to you when you turn 65, as long as you're already receiving Social Security benefits, have suffered from a disability for 24 months, or suffer from ALS (commonly called Lou Gehrig's Disease).

Medicare Advantage Plan: Part C

Medicare Part C may be a bit of a misnomer due to the fact that a Medicare Advantage Plan already contains both Part A and Part B, and, unlike the Original Medicare Plan, it is covered by private insurance companies that are approved by Medicare. This may sound like a disadvantage, but the benefit to having Part C is that sometimes, the private insurance companies that cover your Advantage Plan also cover more local doctors, hospitals, and specialists than Medicare alone. You are required, as a matter of course, to use health and medical services which are covered in your plan, but the broad range of coverage by private insurers makes Part C one of the best Medicare insurance options.

Prescription Drug Coverage: Part D

For those who require prescription medications, Medicare Part D may be a good option. If you already possess prescription coverage thanks to your employer or union, it is best to skip Part D because those who opt for Part D can lose their prior prescription coverage - it is better to weigh your options before you accept Part D. Furthermore, if you accept assistance from Medicaid or another supplemental income benefits program, you may be enrolled in Part D automatically so that Medicare can ensure you receive your medications continually. At its most basic, Part D is for those who do not receive assistance for prescriptions, or who need more assistance in acquiring prescriptions.

What to Know About Multiple Insurance Coverages

It is possible, as you have read, to possess other health insurance coverage alongside Medicare. When this is the case, one of your insurance companies, usually the private or employer-endowed insurance company, becomes your primary provider. Your primary provider will pay as much as its limits allow for your medical services, and if there is any additional cost, your secondary provider (typically Medicare) will pay up to its limit. Any costs not covered will be paid by you, but with Medicare and another provider, or even just Medicare, you should be set for all your health and medical needs!

Medical Disclaimer: The information presented on are for general informational purposes only, the writer may not necessarily have medical or scientific training. This information is not reviewed by a physician. Some of these articles may contain information about treatments or the use of a pharmaceutical product that has not been approved by the U.S. Food and Drug Administration. does not endorse any specific product, service or treatment. Results on any service or treatment may vary from person-to-person.

This article should not be considered as medical advice. Do not delay or disregard seeking professional advice from a certified doctor or other qualified healthcare provider. Always speak with a doctor before starting, stopping, or changing any prescribed care or treatment plan. provides this reading material as a helpful resource, but it should never be a substitute for professional medical advice, care, diagnosis or treatment from a medical physician, a certified personal trainer, a therapist, a dietitian, or a nutritionist. If in a medical emergency, call a doctor or dial 911 immediately.