Original Medicare

Original Medicare is a fee-for-service health plan that has two parts:

  • Part A
  • Part B

After you pay a deductible, Medicare pays its share of the Medicare-approved amount, and you pay your share of coinsurance and deductibles.

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Part A –
Hospital Insurance

Medicare Part A is offered to those who paid Medicare taxes while working. For most, it is not necessary to pay a monthly premium for the coverage.
● Inpatient Hospital Care
● Skilled Nursing Care
● Hospice Care
● Home Health Care

Part B –
Medical Insurance

Part B covers 80% of all medical costs not covered by Part A. However, unlike Part A, you need to elect Part B when you turn 65. Part A and B together make up Original Medicare.
● Doctor Visits
● Lab Tests
● Medical Equipment
● Preventative Services

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Medicare Supplement Plans

Medicare Supplement Insurance plans are standardized plans to cover the gaps in Original Medicare. Medicare Supplement plans allow you to choose any doctor or hospital that accepts Medicare and to see specialists without referrals. Medicare Supplement plans offer nationwide coverage.

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Part C

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you will need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you will have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost.

Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you will need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans.

● Health Maintenance Organization HMO

● Preferred Provider Organizations PPO

● Private Fee for Service Plan PFFO

● Special Needs SNP

Other less common types of Medicare Advantage Plans that may be available may include HMO Point of Service Plans Medicare Medical Savings Account Plan.

Part D

Medicare Part D prescription drug plans help with the cost of prescription drugs and are sold by private insurance companies. Medicare Part D drug plans have different premiums and different drug lists (called a formulary.)There are several different Medicare drug plans offered in Colorado. Do you know how to find the plan that is right for you?

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Contact Us


2232 N 7th St # 11
Grand Junction, CO 81501


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