Skip to main content

Get a Medicare Insurance Quote | Medicare Coverage Types Summarized

Medicare is confusing. Needing a "health insurance specialist near me" or "medicare specialist near me"? Altamonte Springs, FL-based health insurance agent Bob Morgan -- serving mainly Orlando and surrounding counties and licensed statewide -- can help make sense of it, given his decades of experience and expertise. He is your medicare agent near me, and can provide expert guidance about health insurance plans for retirees. Read below to learn about the various types of Medicare insurance coverage, and click in the section below to get a free Medicare quote.


Medicare Coverage Options | Parts A & B, Medigap, Part C, Part D

Needing "Medicare insurance near me" from a "Medicare broker near me"? Read below for summaries of the various types of Medicare plans available from the government and/or via private insurance plans, including Medicare Part D coverage; and click the blue button to be taken offsite to get a free Medicare quote via the Quotit tool. 

Get a Free Medicare Quote | Medicare Coverage Defined | Parts A & B

Original Medicare is generally for people who are age 65 or older. However, people with disabilities, End-Stage Renal Disease or ALS may be eligible earlier. Benefits vary by location and individual circumstances.

  • Medicare Part A is hospital coverage.
  • Medicare Part B is medical coverage.

Definition of Medicare Supplement Insurance, AKA Medigap

Medicare Supplement insurance, also known as Medigap, is sold by private insurance companies; and can help pay health care costs not covered by original Medicare -- such co-payments, coinsurance and deductibles. Vision insurance for seniors, as well as dental coverage for older adults and hearing coverage, may also be covered via Medigap.


Medicare Advantage Insurance or Part C | PPO, PFFS, SNP & MSA Plans

Medicare Advantage insurance, also known as Part C or sometimes called MA plan, is offered by private insurance companies, too, that are approved by and contracted with the government Medicare program (Part A and Part B). MA plans include the following:

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)
  • Private-Fee-for-Service (PFFS)
  • Special Need Plan (SNP)
  • HMO Point-of-Service (HMOPOS)

Summary of Medicare Part D Insurance, AKA Prescription Drug Benefit

Medicare Part D is a voluntary outpatient Prescription Drug Benefit provided via private insurance for people on Medicare; and the government contracts with these private insurers.


Beneficiaries can enroll in either a stand-alone Prescription Drug Plan (PDP) to supplement traditional Medicare or a Medicare Advantage (Part C) plan – mainly HMOs and PPOs – that provides all Medicare-covered benefits, including prescription drugs.


In 2023, over 50 million of the 65 million people covered by original Medicare (Parts A & B) were enrolled in Medicare Part D.