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Make an informed Medicare decision

Learn the different parts of Medicare

Getting the Medicare coverage that's right for you begins with a better understanding of which combination of parts of Medicare and which overall Medicare plan will provide the best coverage for your unique healthcare needs - preventing gaps in coverage and high out-of-pocket costs.

Medicare options

This chart illustrates the services each Medicare option covers

* This is not guaranteed. Additional benefits are included in most BSC Medicare plans, but may not unavailable for some BSC Medicare plans.

Original Medicare
(Part A + Part B)

Part A
Hospital insurance for inpatient stays, care in a skilled nursing facility or hospice, and some home healthcare:

  • Usually has a monthly premium
  • Does NOT cover 20% of hospital costs

Part B
Optional medical insurance for doctor services, outpatient care, medical tests, ambulance transport, medical devices, preventive screenings and immunizations:

  • Usually has a monthly premium
  • Does NOT cover 20% of medical costs

Medicare Supplement Plans
(Medigap)

Medicare Supplement plans pay a portion of the 20% of medical expenses that Original Medicare does not cover.

  • Always has a premium
  • Gives you access to any doctor in the U.S. who accepts Medicare.
  • When paired with a Part D Prescription Drug Plan, a Medigap plan provides the most complete Medicare coverage.

Medicare Advantage
(Part C)

An alternative to Original Medicare by including Part A hospital coverage and Part B medical coverage.

All Blue Shield of California Medicare Advantage Plans include a Part D Prescription Drug Plan.

Depending on the plan, can include extra benefits like dental, vision, and hearing.

Prescription Drug Plans
(Part D)

Medicare-approved prescription drug coverage

  • Not included in Original Medicare or Medicare Supplement Plans
  • When purchased as a standalone plan, requires a premium
  • Included in all Blue Shield of California Medicare Advantage Plans

Keep learning

I’m still not sure about the differences between plan types. Please help!

Am I eligible for Medicare?

I’d like more information on how Medicare works and the options available to me.

Vea qué novedades hay en Blue Shield durante el período de inscripción abierta de este año

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Obtenga respuestas a sus preguntas sobre Medicare y sepa qué novedades hay durante el período de inscripción anual de este año.

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