All You Need to Know

Medicare and related supplement and ancillary plans can be complex and confusing. At Fidelis, we remove the confusion of Medicare and work with our clients to ensure that the plans they select have the features and coverage they need.

Medicare Main Components

Eligible Medicare beneficiaries age 65 and over and disabled individuals of all ages are eligible to receive health insurance through the federal Medicare plan with no premium costs. Conventional Medicare coverage consists of Part A (Hospital Insurance) and Part B (Medical Insurance). Medicare covers approximately 80 percent of the costs for routine medical care as well as in-hospital treatment for all members with no limitations for pre-existing conditions.

Individual Components

Along with Parts A and B, Medicare also includes Part D (prescription drug coverage). However, costs for Part D are not included in conventional Medicare. Instead, these costs must be paid out-of-pocket. In addition, the approximately 20 percent of hospital and outpatient medical costs not covered by Medicare must be paid out-of-pocket.

Medicare Advantage Plans replace Parts A and B with health insurance coverage from private insurers approved by Medicare. Many Medicare Advantage Plans also cover Part D prescription drug costs. Medicare Supplement Plans, also known as “Medigap” plans, cover out-of-pocket costs not covered by Medicare. It is possible for individuals to have conventional Medicare Parts A and B or a Medicare Advantage Plan along with a Medicare Supplement Plan to cover Part D. However, it is not possible to have both conventional Medicare and a Medicare Advantage Plan.

Cost Overview

While there is no premium for conventional Medicare, Medicare Advantage Plans may require clients to pay premiums – this is often the case with plans that include Part D prescription drug coverage. Part D Prescription Drug standalone plans and Medicare Supplement plans also require premium payments.

Costs for various insurance plans vary according to the location of the client and the plan(s) chosen. However, we strive to ensure that our clients obtain the best possible coverage for a price they can afford.

Call us at:


to learn more about your Medicare insurance options. Calling the number above will direct you to a licensed sales agent.

This is not a complete listing of plans available in your service area. For a complete listing, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult