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Medicare is the federal health insurance program for:

• People who are 65 or older

• Certain younger people with disabilities

• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

• Copayments

• Coinsurance

• Deductibles

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services.

If you are a veteran thinking of enrolling in a Medicare Advantage plan, your first question might be, “How much more will it cost me?” The surprising answer is that enrolling may involve no additional cost to you. This is probably the strongest argument for joining a Medicare Advantage plan as a veteran. More coverage, more benefits, and more options that can help protect you from catastrophic medical expenses. 

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When it comes to the health of you and your family, unexpected or long-term hospitalizations should not be a time to worry about medical costs. 

Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover.