Navigating the confusion with Wendy
There are two options. Medigap policies are additional health insurance policies from a private insurance company to your Original Medicare.
Not everything is covered under a Medigap plan such as dental care, hearing aids, vision, private duty nursing and prescription drug coverage.
The second option is a Medicare Advantage Plan which is an all-in-one alternative to Original Medicare. These “bundled” plans include Part A, Part B and usually Part D. Most plans offer extra benefits like vision, hearing, dental and more.
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Medicare Part A and Medicare Part B are often referred to as Original Medicare. Original Medicare is managed by the federal government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accepts Medicare.
Medicare Part A and Part B make up Original Medicare. Medicare Part A generally helps pay your costs as a hospital inpatient. Medicare Part B may help pay for doctor visits, preventative services, lab tests, medical equipment, and supplies, and more.
Mediare Part D is not mandatory. However, you must be careful about your Medicare enrollment decisions and your timing, because Medicare may apply Late Enrollment Penalties (LEPs) to your premiums.
You will be automatically enrolled in Medicare Parts A and B effective the month you turn 65. If you do not receive Social Security benefits, then you will need to sign up for Medicare by calling the Social Security Administration at 800-772-1213 or online at https://www.ssa.gov/benefits/medicare/