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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!

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