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What are the Options for Medicare Insurance Coverage?
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Original Medicare

• Fee for service, not a part of a group plan
• Includes Part A and/or Part B coverage
• Provides access to any doctor or hospital that accepts Medicare
• Does not include drug coverage; this may be obtained by enrolling in a Medicare Prescription Drug Plan
• Coverage gaps in Part A and Part B services can be filled in with Medicare Supplement Insurance called Medigap, which is sold by private insurance companies 

Medicare Advantage Plans (like an HMO or PPO)

• A group plan run by private insurance companies approved by and under contract with Medicare
• Provides Part A and Part B coverage and may include additional services
• Individual plans offer coverage for extra services and prescription drug coverage, sometimes for an extra cost; cost for items and services vary by plan
• In most cases, prescription drug coverage must be accessed through the plan
• Medigap Insurance is not necessary or allowed with a Medicare Advantage Plan 

Other Medicare Health Plans (Not Medicare Advantage Plans but still part of Medicare)

• Medicare Cost Plans
• Demonstration/Pilot Programs
• Programs of All-inclusive Care for the Elderly (PACE)
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