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The deductible must be met before Medicare begins tocontribute their share of the medical bills.  Since it is a fee-for-serviceplan, each time you receive a service, you are required to pay a portion -possibly 15% or 20% depending on your policy; the same goes for when purchasingsupplies, such as an inhaler or prescription glasses.Policies to Fill in the GapsBeing that Medicare doesn't pay forcertain services, supplies or medications, some may need an alternative. A medigap plan can be used; it is a policy sold by private insurancecompanies.  The coverage helps the insured to pay for medical gap expensesand for health care outside of the United States.  Both theoriginal and Medigap Medicare plans can be used to pay for covered health carecosts. Plans for Prescription Drugs - Medicare Part DThis option is good for those who have anoriginal Medicare program that doesn't cover all of the prescription drugs theyare required to take.  This can also be added to Medicare Cost Plans Some Medicare Private Fee-for-Service Plans Medicare Medical Savings Account Plans Individuals choose to go with this optionbecause they don't have to pay as much for their prescription drugs.  Oncethe individual is enrolled in the program, they receive a card that is used topresent to the pharmacist at the time of purchase.  If there are anyco-payments, coinsurance and/or deductibles, they must be paid by theindividual.  There is extra help available for those who have limitedincome and resources; financial assistance is given to pay the Medicare DrugPlan expenses. MedicareAdvantage Health Plan OptionsTo go along with your Medicare insurance,you can choose to go with other Advantage Plans that are approved by Medicareand run by private insurance companies; by enrolling in one of them doesn'tmean you are no longer with Medicare; they coexist. Many individuals opt forthese plans to get additional coverage that Medicare doesn't provide, such asfor certain drugs, eyeglasses or medical services and treatments.  Thecosts for each plan vary, though many MedicareAdvantage plans actually have no premium at all (yes, they are free). With some of the plans, you are requiredto use their network of physicians and hospitals, like with the HMO (Health MaintenanceOrganization) and PPO (Preferred Provider Organization).  Sometimes thecosts for the premiums or services are lower than the Original Medicare Plan,with and without the Medigap Policy included.  The advantage plansprovided do include hospital (Part A) and medical (Part B) coverage and arerequired to cover services that are necessary for your medical needs.  TheMedicare plans can sometimes be used to provide cheaper drugs than the MedicarePrescription Drug options.  Some plans coordinate your care by utilizingreferrals and networks, which can end up saving you money and improve themanagement of your health care.  Another great advantage these plans giveis that you don't have to purchase a Medigap policy. Here are your plan options:Health Maintenance Organization (HMO)Preferred Provider Organization (PPO)Private Fee-for-Service (PFFS) Medicare Medical Savings Account (MSA)Medicare Special Needs Plans Which Plan to Choose?Here is an overview of each plan:HMO - This is a health plan that offers Part A and Part Bcoverage; some have extras that pay for extended hospital stays.  You areonly required to use their network of doctors as your Primary Care Physician (PCP); except during emergencies.  Costs forthis option is sometimes lower than the Original Medicare Plan. PPO - With this plan you are given the option to use theirnetwork of doctors for cheaper co-payments.  Additional costs are appliedfor use of out-of-network physicians. PFFS - More freedom is given with this plan because you can useany Medicare-approved doctors and medical facilities that accept yourinsurance.  You are required to pay a specified percentage of medicalcosts as they are endured.  Extra benefits are sometimes included. MSA - You are required to be an enrollee ina high-deductible plan, which doesn't give coverage until the annual deductibleis met.  Medicare deposits money into the savings account that is used forany health care expenses.  Most Medicare Advantage plans, including thosewith no monthly premium, are MSAplans.Medicare Special Needs Plan - This is a special kind of plan that offers Part A and Part B coverageto those needing special care for chronic illnesses.  Those eligibleinclude individuals in nursing homes, those qualified for Medicaid/Medicare andindividuals with disabling or chronic conditions.