Call for a quote 844­-807-4199
ATTENTION: YOU ONLY HAVE A LIMITED TIME TO ENROLL!

If you need help, please CALL 844­-807-4199

Select Your State Below
ALASKA
ALABAMA
ARKANSAS
ARIZONA
CALIFORNIA
COLORADO
CONNECTICUT
DISTRICT OF COLUMBIA
DELAWARE
FLORIDA
GEORGIA
HAWAII
IOWA
IDAHO
ILLINOIS
INDIANA
KANSAS
KENTUCKY
LOUISIANA
MASSACHUSETTS
MARYLAND
MAINE
MICHIGAN
MINNESOTA
MISSOURI
MISSISSIPPI
MONTANA
NORTH CAROLINA
NORTH DAKOTA
NEBRASKA
NEW HAMPSHIRE
NEW JERSEY
NEW MEXICO
NEVADA
NEW YORK
OHIO
OKLAHOMA
OREGON
PENNSYLVANIA
RHODE ISLAND
SOUTH CAROLINA
SOUTH DAKOTA
TENNESSEE
TEXAS
UTAH
VIRGINIA
VERMONT
WASHINGTON
WISCONSIN
WEST VIRGINIA
WYOMING
Close the Medicare Coverage Gap

Since 1966, the Medicare program has helped millions of seniors attain health care. Also referred to as Original Medicare, this government program was designed to provide both hospital (known as Medicare Part A) and outpatient coverage (or Medicare Part B).

Unforunately, many seniors soon realize that these benefits may not be enough. Many can end up paying for 50% or more of their health care costs by themselves, as out-of-pcoket fees, such as deductibles and copayments, can really add up. Not to mention that Original Medicare provides no outpatient prescription drug benefits.

Fortunately, the government has authorized certain health insurance companies to offer Private Medicare plans to help fill these gaps in Orginal Medicare coverage. Private Medicare plans are a great way to lower your out-of-pocket costs and get the benefits that you deserve.

And Medicare2016.org has access to the top Medicare Insurance providers offering Private Medicare options -- including Medicare Advantage, Part D, and MediGap plans -- all with one simple to use website. Making sense of your enrollment options has never been easier with Medicare2016.org.

Learn more about Medicare2016.org and common Medicare questions here.

To start comparing plans, just enter your zip code to start the process. You can also call 844­-807-4199 to speak to a qualified agent.

Plan Types
  • Original Medicare
  • MediGap
  • Medicare Advantage
  • Prescription Drug Plans
  • What Is It? Original Medicare (Parts A & B) is the very basic health coverage provided by the government. Part A is for hospital-related and Part B is for doctor's office coverage.

  • Who Is Eligible? To be eligible, you must be turning or have already turned 65 years old, and have paid federal taxes for at least 10 of your working years. Those under 65 may qualify if they have a disability.

  • When Can I Enroll? You can enroll in Original Medicare during the Initial Enrollment Period. The Initial Enrollment Period is the 7 months surrounding your 65th birthday (3 months before, the month of, and 3 months after your birthday).

    If you miss the Initial Enrollment Period, you can sign up during the General Enrollment Period, which is between January 1st and March 31st. Unfortunately, you have to wait until July 1st for your coverage to begin. Additionally, you could pay higher premiums when you purchase supplemental coverage from a private insurer.

    If you or your spouse are currently over 65 and have health coverage through your employer, you can get Original Medicare during the Special Enrollment Period. The Special Enrollment Period will begin once your employer-based coverage expires.

  • How Much Does It Cost? For Part A, or hospital care, most pay $0 if they have paid Medicare taxes for at least 10 years. If you did not pay taxes, you could pay as much as $400 a month. When using hospital-related services, you will need to pay a deductible of $1,260 before the plan starts paying for the rest of the costs. If you are hospitalized multiple times a year, you may have to pay the deductible for each hospitalization. Also, if you are in the hospital for more than 60 days, you could face a co-pay of $300-$600 per day.

    For Part B, or doctor's office care, most pay about $105 per month. The deductible is $147 each year. When using doctor's-office-related services, you will have to pay 20% of costs out-of-pocket.

  • How to Enroll? You can apply online at socialsecurity.gov, on the phone at 1-800-772-1213, or visit your local Social Security office.

  • Important: Original Medicare only pays for a fraction of your health care. Many, especially those with medical conditions, are financially burdened by out-of-pocket costs, including deductibles and co-pays. Original Medicare also provides very little prescription drug coverage. It is recommended you purchase a Medigap or Medicare Advantage Plan, along with a Medicare Prescription Drug Plan, to protect you from mounting medical expenses.

Learn more about Original Medicare here.

  • What Is It? Medigap, also known as Medicare Supplemental Insurance, is offered by private insurance companies to fill the health care coverage "gaps" left open by Original Medicare. There are 10 types of Medigap Plans. They are Plans A, B, C, D, F, G, K, L, M and N. Not every insurer offers all 10 plans, and prices can vary, but the amount of coverage is the same across companies.

  • Why Get It? Most find several coverage "gaps" once they enroll in Original Medicare. Supplementing your coverage with a Medigap Plan can greatly reduce the amount you pay out-of-pocket when using medical services. A plan could potentially pay for itself with just one hospitalization or a few doctor's office visits alone.

    Some Medigap Plans also provide you with additional coverage, such as emergency health care when you are travelling internationally, and nursing-facility care.

  • Who Is Eligible? To be eligible, you must be enrolled in Original Medicare Parts A & B.

  • When Can I Enroll? You must enroll during the Medigap Enrollment Period which begins 6 months after you turn 65. Remember, you must have Original Medicare to finish enrollment.

    If you miss the Medigap Enrollment Period, you can still get a plan. However, insurers are not required by law to accept your enrollment, and can deny you coverage based on preexisting conditions.

  • How Much Does It Cost? Monthly premiums for Medgiap plans start at around $89 per month* (Huang, 11), but greatly vary depending on the plan you choose and the state you live in. Many choose Plan F, which starts around $129* (Huang, 11), because it already covers the deducible costs of Original Medicare Part A ($1,260) and Part B ($147).

  • How to Enroll?You can compare the top Medigap providers and their plans here on Medicare2016.org! To begin, just enter your zip code and tell us about yourself. We help figure out your eligibility. You can also call 844­-807-4199 to speak to an agent.

Learn more about Medigap here.

* Source: Huang, Jennifer, Gretchen Jacobson, Tricia Neuman, Katherine Desmond, and Thomas Rice.
"Medigap: Spotlight on Enrollment, Premiums, and Recent Trends." The Henry J. Kaiser Family Foundation. 1 Apr. 2013. Web. 18 Sept. 2015.
https://kaiserfamilyfoundation.files.wordpress.com/2013/04/8412-2.pdf.

* Disclaimer: The cited source is not endorsed by Medicare. It is an independent publication. Data is used for illustration purposes only. The relationship between a plan provider and the source of information is not established on this website. Please visit the source to learn more.

  • What Is It? Medicare Advantage Plans (also known as Medicare Part C) enable you to receive the same Original Medicare benefits through private insurers, along with the additional medical benefits that government's plan does not provide. These include coverage for out-of-pocket expenses including deductibles and co-pays.

    Additionally, Medicare Advantage Plans often come with a Prescription Drug Plan (also known as Part D). Original Medicare provides very little coverage for prescription drugs.

    What all of this means is that with Medicare Advantage, you can get hospitalization, doctor's office, and prescription drug coverage all conveniently under a single plan. The plans are HMO and PPO plans that are very similar to what you may have had previously through an employer.

  • Why Get It? Most find Original Medicare does not provide enough coverage. Medicare Advantage Plans can greatly reduce the amount you pay out-of-pocket when using medical services. Many plans also provide prescription drug benefits, or coverage that is lacking with Original Medicare.

    Also, some people prefer Medicare Advantage over Medigap because all of your health care is conveniently under a single plan.

  • Who Is Eligible? If you are eligible for Original Medicare Parts A & B, then you will be eligible for Medicare Advantage Plan.

  • When Can I Enroll? There are three enrollment periods for Medicare Advantage.

    The first is the Initial Enrollment Period which is around your 65th birthday (or younger if you are disabled). Specifically, the Initial Enrollment Period is the 7 month period surrounding your 65th birthday -- 3 months before, the month of, and 3 months after your birthday.

    You can also enroll in a Medicare Advantage Plan during the Open Enrollment Period. This year's Open Enrollment Period begins on October 15 and ends on December 7. If you already have a plan, but would like a new one, this is also the time where you are permitted to change plans.

    The last way to enroll is during the Special Enrollment Period. The Special Enrollment Period is only open to those who recently had a major life change, such as if you recently moved or lost health coverage.

    Since Special Enrollment is limited, it is important that you do not miss the Initial or Open Enrollment Periods. Your coverage can be greatly delayed and you could face a penalty for not having coverage.

  • How Much Does It Cost? Monthly premiums for Medicare Advantage Plans greatly vary based on the plan you choose and the state you live in. Some plans cost $0 per month, others much more. The average premium for Medicare Advantage is around $49 per month* (Gold, 2).

  • How to Enroll? You can compare the top Medicare Advantage providers and their plans here on Medicare2016.org! To begin, just enter your zip code and tell us about yourself. We help figure out your eligibility. You can also call 844­-807-4199 to speak to an agent.

Learn more about Medicare Advantage here.

* Source: Gold, Marsha, Gretchen Jacobson, Anthony Damico, and Tricia Neuman.
"Medicare Advantage 2014 Spotlight: Plan Availability and Premiums." The Henry J. Kaiser Family Foundation. 1 Dec. 2013. Web. 18 Sept. 2015.
https://kaiserfamilyfoundation.files.wordpress.com/2013/11/8520-medicare-advantage-2014-spotlight2.pdf.

* Disclaimer: The cited source is not endorsed by Medicare. It is an independent publication. Data is used for illustration purposes only. The relationship between a plan provider and the source of information is not established on this website. Please visit the source to learn more.

  • What Is It? Original Medicare provides very little coverage for prescription drugs. Instead, the government has enabled private insurers to offer Medicare Prescription Drug Plans (also known as Part D).

    There are two types of plans. The first are Medicare Advantage Prescription Drug Plans (MAPDPs). Such coverage is purchased as part of your overall Medicare Advantage Plan. The other type are standalone Prescription Drug Plans (PDPs). This is the type of coverage you get separately along with Original Medicare or a Medigap Plan.

  • Why Get It? Paying for prescription drugs out-of-pocket can be very expensive. If you are currently taking medication, it is highly recommended to get a Medicare Prescription Drug Plan.

  • Who Is Eligible? You must be eligible for Original Medicare Parts A & B to get a Medicare Prescription Drug Plan.

  • When Can I Enroll? Both Medicare Advantage Prescription Drug Plans and standalone Prescription Drug Plans are best purchased during the Initial Enrollment Period or the Open Enrollment Period.

    The first is the Initial Enrollment Period. It is the 7 month period surrounding your 65th birthday -- 3 months before, the month of, and 3 months after your birthday. If you fail to get coverage during this time, you could face the Medicare Part D penalty.

    Next is the Open Enrollment Period, which begins on October 15 and ends on December 7. The Open Enrollment Period is also a good time to switch plans if you already have one.

    Lastly, it is possible to enroll in a drug plan after the above enrollment windows, or during the Special Enrollment Period. The Special Enrollment Period is only open to those who recently had a major life change, such as a move or a loss of health coverage.

    Since Special Enrollment is limited, it is important that you do not miss the Initial or Open Enrollment Periods. Your coverage can be greatly delayed and you could face a penalty for not having coverage.

  • How Much Does It Cost? Monthly premiums for Medicare Prescription Drug Plans greatly vary by carrier, plan, the state you live in, and drugs you require. Some plans could cost $5 per month, others can cost $50 or more per month.

    The deductible, or the amount you have to pay before the plan kicks-in, can also greatly vary. However, by law, your deducible cannot exceed $320 per year as of 2015. Many plans have deductibles that are far lower.

    Also, once your total prescription drug costs exceed $2,960, the insurance temporarily pays less -- 55% for brand name and 35% for generic drug costs -- for the next $1,740 in drug costs. This coverage gap is known as the "Part D Donut Hole." After that, the plan kicks back in as catastrophic coverage and starts paying for nearly all of the new costs. Note that the Donut Hole is projected to get much better and pay for 75% of costs by 2020. Remember that most of your costs are covered before and after the Donut Hole gap.

    When shopping for a plan, it is important to compare plans apples-to-apples by formulary. The formulary is the exact drugs that the plan covers, and different formularies have different costs.

  • How to Enroll? You can compare the top Medicare Prescription Drug providers and their plans here on Medicare2016.org! To begin, just enter your zip code and tell us about yourself. We help figure out your eligibility. You can also call 844­-807-4199 to speak to an agent.

Learn more about Medicare Prescription Drug Plans here.