THE 3 PARTS OF MEDICARE:

Traditional Medicare, pays 80%:

• Part A = Hospital, $0 premium
• Part B = Dr., testing, out-patient facility, etc., this has a premium
• Part D = required drug plan with varied premiums

100% Covered with traditional Medicare & a medigap:

Medicare pays 80%, selected medigap plan assists with 20% (also called supplemental plan)

Part C: (replaces traditional Medicare)

Also called Advantage plan, HMO or PPO