Explore Medicare plan types
Everyone has different health care needs. With Medicare, you have options so you can get the plan and coverage that works best for you.
Part A - Hospital Insurance
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Original Medicare Part A covers inpatient care you get at a hospital or skilled nursing facility. Sometimes, Part A covers care you get at home, too.
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Most people do not pay a monthly premium for Part A.*
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You may pay a deductible, copays and coinsurance for your health care, unless you have a separate Medicare Supplement plan to help cover those costs.
*For most people receiving Social Security benefits
Part B - Medical Insurance
- Original Medicare Part B covers your doctor’s visits plus preventive care, ambulance services and durable medical equipment.
- Part B is optional. You don’t have to sign up for Part B if you don’t want it.
- You usually pay a monthly premium.
For most services, you pay a yearly deductible and coinsurance, unless you have a separate Medicare Supplement plan.
Medicare can be confusing but getting to know how government-sponsored Original Medicare works is a great place is to start.
Part C - Medicare Advantage
- Medicare Advantage plans combine all of the benefits of Original Medicare Parts A and B.
- Medicare Advantage plans usually include prescription drug coverage (Part D).
- Many Medicare Advantage plans include extra benefits like dental, hearing and vision care.
- Premiums and deductibles vary by plan.
Part D - Prescription Drug
- Medicare Part D prescription drug coverage may be included with Medicare Advantage plans (Part C).
- You can also purchase a Part D prescription drug plan by itself, or in addition to a Medicare Supplement plan.
- Premiums and deductibles vary by plan.
Florida Blue Medicare Prescription Drug plans give you access to a nationwide pharmacy network, home delivery options and $0 immunizations and vaccinations.
Medicare Supplement (Medigap)
- Medicare Supplement (Medigap) plans help pay for costs Original Medicare does not cover, like copays and coinsurance for the health care you receive.
- Most Medicare Supplement plans allow you to choose any doctor, specialist or hospital that accepts Medicare.
- Your benefits and costs will depend on the plan you choose. Medicare Supplement plans also may factor in your age, tobacco use and county of primary residence when you apply.
Medicare Resources
Picking the right plan
Now that you know about the types of Medicare plans available, you can decide which plan best meets your needs.
Eligibility and enrollment
After you decide what type of Medicare plan works for you, find out when you will be eligible for coverage and how to enroll.
Our Medicare products
Ready to shop and enroll in a Medicare plan? We offer many choices for each Medicare plan type, so you can find one that works for you.
Medicare Basics Guide
Florida Blue provides the information you need to choose the Medicare plan that meets your needs and budget. Download >
Medicare & You
U.S. government handbook on Medicare benefits, rights, and protections, available health plans and more. Download >
Medicare Planning Checklist
Florida Blue provides a checklist with the steps you need to get started with Medicare as you approach age 65. Download >
Get Ready for Medicare
U.S. government handbook explaining important decisions you need to make before Medicare coverage starts. Download >