PDP plans are stand-alone prescription drug plans that offer only prescription drug coverage. You can add this type of plan to original Medicare and some types of Medicare Advantage plans that do not cover prescription drugs. MAPD plans are health maintenance organizations (HMOs), preferred provider organizations (PPOs), or private fee for service plans (PFFS). You generally can get all of your Medicare health care and prescription drugs through one plan with a MAPD plan. You may also see these plans referred to as Medicare Health Plans or Medicare Part C. If you join a Medicare Advantage or MA plan, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include health maintenance organizations (HMOs), preferred provider organizations (PPOs), private fee for service plans (PFFS) or Medicare Special Needs Plans To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. Medigap plans are health insurance sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn't cover. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($99.90 in 2012 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. Please note that our cost information is an estimate. Your actual annual cost may vary depending on circumstances such as any applicable discounts or rebates, your choice of pharmacy or medications, or changes to your plan's benefit structure during the year.
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