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Recent changes to Medicare have brought about more healthcare choices for mature
Americans than ever before. Today when you are eligible for Medicare you can choose to
receive healthcare through the Original Medicare program only; or apply for a
Medicare
Supplement (Medigap plan) to fill in the "gaps" in
Medicare coverage with few if any copays or deductibles.
In many areas you can also opt for a
Medicare Advantage plan that
may have lower premiums, even a $0 premium in some counties.
Prescription Drug Plans (Medicare Part D) are also now on offer nationwide either as a stand-alone plan or bundled
into a low-cost Medicare Advantage Plan.
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Medicare Supplement policies cover costs not paid by Medicare, such as co-pays and deductibles for doctor visits and hospitalization. Plans offer comprehensive coverage so you can see any doctor and there are usually few if any out-of-pocket expenses.
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Medicare Part D is the federal government's prescription drug program that covers both
brand-name and generic prescription drugs at participating pharmacies in your area.
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Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Premiums are often low and $0 premium plans are available in many areas.
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