1. Original Medicare – Includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S.

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• If you want drug coverage, you can join a separate Medicare Prescription Drug Plan (Part D).

• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage like a Medicare Supplement Insurance (Medigap) policy.

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Medicare Supplement Insurance Plans (Medigap):

AARP Medicare Supplement Insurance Plans from UnitedHealthcare Insurance Company

• AARP Medicare Supplement Insurance Plan - PRESENTATION - FLORIDA

• Aetna Medicare Supplement Plans - FLORIDA

• Humana Medicare

• United American Life Insurance Company - FLORIDA

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If you don't get Part D or a Medigap policy when you're first eligible, you may have to pay more to get this coverage later. For Part D, this could mean a lifetime premium penalty.

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2. Medicare Advantage – An "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn't cover – like vision, hearing, dental, fitness memberships, over-the-counter-items and more.

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• Plans may have lower out-of-pocket costs than Original Medicare.

• In most cases, you'll need to use doctors who are in the plan's network.