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Let's Find The Right Plan To Fit Your Needs
Whether you’re getting ready to sign up for the first time or shopping for your next Medicare plan, we’re here to help. Choose your path below to get started.
I’m New To Medicare
I’m turning 65 or retiring soon and want to understand Medicare, its parts, and how to get coverage that fits my needs.
I Am Eligible For Medicare And Medicaid
I have both Medicare and Medicaid (dual eligible) and want a dual health plan with benefits.
I Signed Up For Original Medicare But It’s Not Enough
I have hospital (Part A) and medical insurance (Part B) but need more benefits than Original Medicare provides.
I Want To Change My Medicare Plan
I already have a Medicare plan but am looking for different coverage and benefits.
Our Medicare Plans At A Glance
Medicare Supplement (Medigap)
Medicare Supplement insurance plans help cover most out-of-pocket costs that Original Medicare‡ doesn’t – like copays, coinsurance, and deductibles. These plans do not cover prescription drugs, so you may want to purchase a Part D plan.
Prescription Drug Plans (Medicare Part D)
These plans help cover costs for generic and brand name prescriptions, all recommended vaccines, and medical supplies for insulin injections. Part D plans work with Original Medicare‡ or Medicare Supplement plans.
Medicare Advantage (Medicare Part C)
A Medicare Advantage plan replaces Original Medicare.‡ These all-in-one plans cover hospital, medical, dental, vision, hearing, and more. Most include prescription drug (Part D) coverage as well.
Dual Special Needs Plans (D-SNPs)
For people with Medicare and Medicaid, these Medicare Advantage Plans include benefits like allowances for OTC (over-the-counter) health products, groceries, and transportation. Additional Special Needs Plans (SNPs) are available for people with specific health situations.
Learn More About Medicare
We want you to feel confident in your decisions. Our guide explains the parts of Medicare, how and when to enroll, your coverage options, and more.
Frequently Asked Questions About Medicare
Original Medicare‡ (Parts A & B)
Original Medicare Part A (hospital/inpatient insurance) and Part B (medical/doctor/outpatient insurance) is administered by the federal government.
Medicare Supplement (Medigap) Plans
Medicare Supplement plans work with Original Medicare‡ (Parts A and B) to help with out-of-pocket costs not covered by Original Medicare.‡ It’s additional insurance you can buy from a private company that helps you control out-of-pocket costs, like deductibles, copays, and coinsurance.
Medicare Part D (Prescription Drug Plans)
Medicare Part D plans cover the cost of prescription drugs and are also only available from private insurance companies.
Medicare Part C (Medicare Advantage)
Medicare Advantage plans are only available from private insurance companies like Anthem. These all-in-one plans include all the coverage of Medicare‡ plus much more. They typically include your prescription drug (Part D) coverage, as well as dental, vision, and hearing.
Original Medicare‡ has two parts.
- Part A covers mainly inpatient care, such as care you would receive at a hospital or a skilled nursing facility.
- Part B covers routine medical care, such as when you visit your doctor.
- They do not cover prescription drugs you may need when you’re not in the hospital.
- They do not provide 100% coverage for your costs, such as deductibles, copays, and coinsurance.
Even if you’re healthy now, Medicare Supplement insurance, Medicare Advantage, and Prescription Drug plans will help you control your out-of-pocket costs. More than 74% of people with Original Medicare‡ have additional coverage.1
You may want to consider delaying your enrollment in Medicare until you’re no longer covered by your employer’s healthcare plan.
The decision for when to enroll in Medicare can be complicated. If you’re turning 65 soon, be sure to contact your employer’s benefits administrator before making any changes. You can also discuss your options with an Anthem licensed agent.
Approximately 50% of Medicare beneficiaries are in a Medicare Advantage plan.2 That’s over 30 million people. Most Medicare Advantage plans include Prescription Drug (Part D), dental, vision, hearing, and more – all in one plan.
While Medicare Advantage plans are very popular, they may not be your best option. You may want to consider Medicare Supplement (Medigap) insurance plus a Prescription Drug plan. Monthly premiums are higher for these plans, but they offer greater cost predictability and access to any doctor or hospital in the U.S. that accepts Medicare patients.3 It’s important to note that pre-existing conditions may prevent you from being able to enroll in a Medicare Supplement plan if you don’t sign up during your initial six-month Open Enrollment Period.
Medicare Advantage (Part C) plans are offered by private insurance companies like Anthem. They replace your Original Medicare‡ Parts A and B but are required by law to provide all Part A and Part B benefits. Plus, most Medicare Advantage plans also include Prescription Drug (Part D), dental, vision, hearing, and additional benefits. You can change Medicare Advantage plans or switch back to Original Medicare‡ during certain times of the year.
Many Medicare Advantage plans have low or $0 monthly premiums. Monthly premiums are decided by where you live, copayments, deductibles, and other factors. Medicare Advantage plans are offered by private insurance companies like Anthem. Because they replace Original Medicare,‡ the federal government also reimburses private insurance companies for a percentage of the cost of care they would normally spend on a person living in your area. You will still need to pay your monthly Part B premium ($174.70 in 2024 for most people).
One advantage Medicare Supplement insurance has over Medicare Advantage plans is you can visit any doctor or hospital in the U.S. that accepts Medicare patients.3 You will not need to make any in-network or out-of-network choices and your coverage will be the same wherever you are in the U.S.
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‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
1For example, 74% of Medicare beneficiaries were enrolled in prescription drug (Medicare Part D) coverage in 2019. Source : Assistant Secretary for Planning and Evaluation (ASPE) Office of Health Policy
2Centers for Medicare & Medicaid Services
3Medicare Select Plans are the exception. For non-emergency services covered by Medicare, you must use a hospital in our Select hospital network to receive full benefits.
Anthem Blue Cross and Blue Shield is a Medicare Advantage plan with a Medicare contract. Anthem Blue Cross and Blue Shield is a D-SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal.
For Medicare Supplement only: Not connected with or endorsed by the U.S. government or the federal Medicare program.
‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
Anthem Blue Cross and Blue Shield is a Medicare Advantage plan with a Medicare contract. Anthem Blue Cross and Blue Shield is a D-SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal.
For Medicare Supplement only: Not connected with or endorsed by the U.S. government or the federal Medicare program.
In Missouri (excluding the 30 counties in the Kansas City area), Anthem Blue Cross and Blue Shield is the trade name of Healthy Alliance® Life Insurance Company (HALIC) and Anthem Insurance Companies, Inc. (AICI). Plans A, G & N and the Anthem Extras Packages are offered by HALIC. Plan F is offered by AICI. Independent licensee of the Blue Cross Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.