Skip to content

Did you know?

Medicare Advantage plans cover more services than Original Medicare.

Grandfather shares a book with a smiling toddler.
Adult son bear hugs his mother as she kisses his cheek.

Health Care Options Available

Navigating the health insurance landscape can be overwhelming. Sometimes, people make choices that aren’t right for them down the road. This section gives you details about the plans available, so you can understand the differences, features and benefits.

Medicare 101 — Facts About Options

Consider this your “one-stop shop” for Medicare education and comparisons between Original Medicare, Medicare Supplemental Insurance — also called “Medigap” insurance — and Medicare Advantage plans. For a newcomer, it’s not easy to understand it all. Here, you’ll find what you need to know in one place.

Free Medicare Information Kit
Download our Medicare Information Kit

Plan Overviews

Original Medicare

Original Medicare includes Medicare Part A (hospital insurance) and Part B (medical insurance). If you want Part D (drug coverage), you can join a separate Medicare drug plan.

Medicare Advantage

Also known as Medicare Part C, Medicare Advantage plans are all-in-one plans offered by private health insurers. These plans cover benefits from Parts A and B, as well as preventive care and other benefits that aren’t included with Original Medicare. Additional benefits vary, depending on your health insurer, and could include prescription drug coverage; vision, hearing and dental; gym memberships, meals, transportation and more.

Medicare Supplement (Medigap)

Unlike Medicare Advantage, Medicare Supplement plans (Medigap) do not provide full health coverage or replace Original Medicare. Instead, they are designed to “supplement” or help cover some of the out-of-pocket costs, or “gaps”, that your Medicare plan may not cover, such as: copayments, coinsurance, and deductibles.

Questions to consider when choosing a medicare plan.

Did you know?

You can switch to another Medicare plan during the annual enrollment period.

Take the Next Step: Request a Kit

Understand your 2022 Medicare plan options. Fill out the form below or call 800-607-0902 (TTY:TDD:711) to request the Independence Blue Cross Plan Information kit.

By providing Independence Blue Cross (IBX) with your email address, you agree to allow IBX to contact you via email. You may opt out at any time.

By providing Independence Blue Cross (IBX) with your phone number, you agree to allow IBX to contact you regarding the kit you requested.

Did you know?

Medicare Advantage plans can cost $0 per month and provide excellent coverage.

You can also call us directly 8 a.m. to 8 p.m., 7 days a week. Please note that on weekends and holidays from April 1 to September 30, your call may be sent to voicemail.

Independence Blue Cross is a subsidiary of Independence Health Group, Inc. — independent licensees of the Blue Cross and Blue Shield Association, serving the health insurance needs of Philadelphia and southeastern Pennsylvania.


Website last updated 11/19/2021

Independence Blue Cross offers Medicare Advantage plans with a Medicare contract. Enrollment in Independence Medicare Advantage plans depends on contract renewal.

Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.

Independence Blue Cross complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-275-2583 (TTY/TDD: 711). 注意:如果您使用繁體文,您可以免費獲得語言援助服務。 請致電 1-800-275-2583 (TTY/TDD: 711).