Medicare Made Visual

Build Your Medicare Coverage

Think of Medicare like building a house. Medicare Part A and Part B are your foundation. Once that foundation is in place, you decide how you want to build on it to help cover the gaps and manage your healthcare costs.

Your Medicare Coverage Same Foundation • Two Ways to Build

Your Medicare Foundation Medicare Part A + Medicare Part B

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Think of Part A + Part B as your basic Medicare membership. They create your Medicare foundation. From there, you decide how you want to handle the remaining coverage gaps, prescription costs and out-of-pocket risk.

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Where the Additional Coverage Choices Come In

Once your Medicare foundation is in place, the next financial decision is how you want to address the costs and coverage gaps Original Medicare may leave behind. This is where Medicare Supplement, Part D, or Medicare Advantage become important choices.

Path 1 Medigap + Part D You generally pay additional premiums for Medicare Supplement insurance and prescription drug coverage.

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Path 2 Medicare Advantage Medicare Advantage plan premiums vary and may be $0 or more. You generally continue paying your Medicare Part B premium.

This is a simplified educational overview of Medicare. Medicare costs, coverage and plan availability vary. Many people qualify for premium-free Medicare Part A. Medicare Part B generally has a monthly premium. Medicare Advantage, Medicare Supplement and Medicare Part D plan costs vary by plan and location.

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Explore your personalized Medicare Coverage Options

At Pine Creek Insurance, we offer coverage that fits—supporting every step of your journey.