Medicare Help & Quote

Want to know about the ABCs of Medicare?

Medicare Parts A and B

Part C - Medicare Advantage

Parts A and B benefits are a part of Original Medicare that provide Hospital (Part A) and Medical (Part B) services described below. When you have Original Medicare, you can obtain your benefits through any provider in the United States that accepts Medicare payment. You can add a Medicare Supplement Insurance Plan (MediGap) and a Prescription Drug Plan.

Part C - Medicare Advantage

Medicare Advantage (Part C) plans work in place of your Part A and Part B Medicare coverage. Benefits include medical coverage for hospital and medical expenses. Some Medicare Advantage Plans include a Part D prescription drug plan.

Part D - Prescription Drugs

Part C - Medicare Advantage

Part D - Prescription Drugs

Prescription Drug plans cover prescription drug needs and do not include medical coverage.

Let's start with Original Medicare - Parts A and B

Medicare Advantage and Prescription Drugs

Part C - Medicare Advantage

Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage.

Different Types of Medicare Advantage Plans

Health Maintenance Organization (HMO) Plan

In most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's network of providers except in an emergency, for out-of-area urgent care or for temporary out-of-area services. You may also need to get a referral from your primary care doctor to see other doctors or specialists.

Different Types of Medicare Advantage Plans

Preferred Provider Organization (PPO) Plans

A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. In a PPO Plan, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. You pay more if you use doctors, hospitals, and providers outside of the network.

Different Types of Medicare Advantage Plans

Medicare Special Needs (SNP) Plans

Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics, and tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve.

Find out who can join a Medicare SNP

Different Types of Medicare Advantage Plans

Private Fee-for-Service (PFFS) Plans

A Medicare PFFS Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PFFS plans aren’t the same as Original Medicare or Medicare supplement. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.

Part D - Prescription Drugs

The 2025 deductible is $590 for most plans, although this may vary depending on individual plan details. Part D drug benefits in 2025 are structured into three phases:

Annual Deductible

If your plan has a deductible, you will pay 100% of your gross covered prescription drug costs until the annual deductible is met.

Initial Coverage

Once the annual deductible is met, you will pay 25% coinsurance (or in accordance with specific plan benefits) for covered Part D drugs. This phase ends when you have reached the annual out-of-pocket cap of $2,000 for 2025.

Catastrophic

Once you meet the $2000 out-of-pocket cap, you will pay no cost sharing for covered Part D drugs through the remainder of the year.

Medicare Supplemental Insurance Plan also known as MediGap?

Contact Cara for a consultation to review the options available in your area.

We do not offer every plan available in your area. Currently we represent 20 organizations that offer over 100 plans in your area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.

This is a solicitation for insurance. Carrot Insurance Services is an independent licensed insurance broker (CA Lic. 0798878) and is not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information.

RELAX! We'll provide the answers to your Medicare questions!

Want to know what plans are available & check your meds?

Want to know about the ABCs of Medicare?

Medicare Parts A and B

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part D - Prescription Drugs

Part C - Medicare Advantage

Part D - Prescription Drugs

Let's start with Original Medicare - Parts A and B

Part A - Hospital Insurance

Part B - Medical Insurance

Medicare Advantage and Prescription Drugs

Part C - Medicare Advantage

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Part D - Prescription Drugs

Annual Deductible

Initial Coverage

Catastrophic

Medicare Supplemental Insurance Plan also known as MediGap?

RELAX! We'll provide the answers to your Medicare questions!

Want to know what plans are available & check your meds?

Want to know about the ABCs of Medicare?

Medicare Parts A and B

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Part D - Prescription Drugs

Part C - Medicare Advantage

Part D - Prescription Drugs

Let's start with Original Medicare - Parts A and B

Part A - Hospital Insurance

Part B - Medical Insurance

Medicare Advantage and Prescription Drugs

Part C - Medicare Advantage

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Different Types of Medicare Advantage Plans

Part D - Prescription Drugs

Annual Deductible

Initial Coverage

Catastrophic

Medicare Supplemental Insurance Plan also known as MediGap?

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