We Are Your Medicare Resource Experts

Your Trusted Guide To Medicare Options And Coverage

Welcome to Niche Market Insurers, your trusted source for all your Medicare needs. We understand that navigating the world of healthcare can be overwhelming, especially when it comes to Medicare. That's why we're here to guide you through the different types of Medicare options available to you, including Original Medicare, Part D Prescription Drug Plans, Medicare Advantage, and Medicare Supplements.

Original Medicare (Part A and Part B):

Original Medicare consists of two parts: Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Medicare Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Medicare Part B covers services from doctors and other healthcare providers, outpatient care, durable medical equipment, and preventive services.


Original Medicare is administered by the federal government and is available to all eligible individuals aged 65 and older, as well as some individuals under 65 with certain disabilities. It provides a basic level of coverage, but it doesn't cover all healthcare costs. That's where additional Medicare options come into play.

Original Medicare (Part A and Part B):

Original Medicare does not cover most prescription drugs. If you require prescription medications, it's important to consider enrolling in a Medicare Part D Prescription Drug Plan. These plans are offered by private insurance companies approved by Medicare. Part D plans help you pay for prescription medications, reducing the out-of-pocket costs associated with your prescriptions. Each plan has its own list of covered drugs, known as a formulary, so it's essential to review the formulary to ensure your medications are covered.

Medicare Advantage (Part C):

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare. Medicare Advantage plans provide all the benefits of Original Medicare (Part A and Part B) and often include additional benefits such as prescription drug coverage (Part D), dental care, vision care, hearing aids, and wellness programs. Medicare Advantage plans may have networks of doctors and hospitals that you must use, and they often require you to pay copayments, coinsurance, and deductibles for the services you receive.

Medicare Supplements (Medigap):

Medicare Supplements, or Medigap plans, are designed to work alongside Original Medicare. These plans are also offered by private insurance companies. Medigap plans help cover the "gaps" in Original Medicare, such as deductibles, copayments, and coinsurance. They provide additional financial protection and allow you to see any doctor or specialist who accepts Medicare. Medigap plans are standardized and labeled with letters (A, B, C, D, F, G, K, L, M, and N), each offering a different set of benefits.


Choosing the right Medicare option for your needs is a personal decision. It's important to assess your healthcare needs, budget, and preferences before making a choice. At Insured.com, our experienced agents are here to help you understand your options, compare plans, and find the best Medicare solution tailored to your unique situation.

Frequently asked questions

Remember, these answers are general and may not apply to every individual situation. For personalized information and advice, it's always best to consult with a licensed insurance agent or contact Medicare directly.

  • What is Medicare?

    Medicare is a federal health insurance program in the United States that provides coverage to individuals aged 65 and older, as well as to certain younger individuals with disabilities or end-stage renal disease.

  • What are the different parts of Medicare?

    Medicare consists of four main parts: Part A, Part B, Part C (Medicare Advantage), and Part D. 

    • Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health services.
    • Part B covers doctor visits, outpatient care, medical supplies, and preventive services.
    • Part C, also known as Medicare Advantage, offers an alternative to Original Medicare and includes additional benefits provided by private insurance companies.
    • Part D provides prescription drug coverage.

  • When can I enroll in Medicare?

    You can typically enroll in Medicare during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday month and ends three months after. There are also other enrollment periods like the General Enrollment Period and Special Enrollment Periods for certain situations.

  • Do I need both Medicare Part A and Part B?

    Most people are eligible for premium-free Medicare Part A if they or their spouse have paid Medicare taxes while working. While Part A is often free, Part B usually requires a monthly premium payment. Part B covers medical services and is typically necessary to have alongside Part A.

  • What does Medicare cover?

    Medicare coverage varies depending on the specific part. Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and limited home health services. Part B covers doctor visits, outpatient care, medical supplies, and preventive services. Medicare Advantage plans (Part C) typically include coverage for Parts A, B, and often prescription drugs. Part D focuses solely on prescription drug coverage.

  • Can I get additional coverage with Medicare?

    Yes, you have options for additional coverage. You can either enroll in a Medicare Advantage plan (Part C) offered by private insurance companies or purchase a Medigap (Medicare Supplement) policy to help cover costs not covered by Original Medicare.

  • What is the Medicare Advantage (Part C) program?

    Medicare Advantage plans are offered by private insurance companies approved by Medicare. They provide all the benefits of Original Medicare (Parts A and B) and often include additional benefits like prescription drug coverage, dental, vision, and hearing services.

  • What is the "donut hole" in Medicare Part D?

    The "donut hole" refers to a temporary limit on what Medicare Part D will cover for prescription drugs. Once you and your plan have spent a certain amount on medications, you enter the coverage gap. During this period, you are responsible for a higher percentage of the drug costs until you reach the out-of-pocket threshold and qualify for catastrophic coverage.

  • Can I change my Medicare plan?

    Yes, there are specific times when you can change your Medicare plan. The Annual Enrollment Period (AEP) takes place from October 15th to December 7th each year, during which you can switch between Medicare Advantage plans, switch from Original Medicare to a Medicare Advantage plan, or vice versa. There are also other enrollment periods for specific situations, such as the Medicare Advantage Open Enrollment Period.

  • How do I find a healthcare provider who accepts Medicare?

    You can use the "Physician Compare" tool on the official Medicare website to find doctors and healthcare providers who accept Medicare patients. Additionally, most doctors and hospitals in the United States accept Medicare.

Have questions for Niche market Insurers?

Contact Niche Market Insurers today to explore your Medicare options and gain peace of mind knowing that you have the coverage you need to stay healthy and protected.

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