Medicare Supplement plans, also called Medigap, are private insurance policies that work with Original Medicare (Part A and Part B). Original Medicare helps pay for many of your healthcare costs, but it doesn’t pay for everything. Medigap plans help cover the expenses that Medicare doesn’t fully pay, like deductibles, copayments, and coinsurance.

Here are the main types of Medicare Advantage plans:

1. Health Maintenance Organization (HMO): With an HMO plan, you must see doctors and go to hospitals that are in the plan's network. You can only go outside the network if there's an emergency.
2. Medicare Medical Savings Account (MSA): An MSA plan works like a Health Savings Account (HSA). Unlike other plans, it usually doesn’t have a set list of doctors or hospitals you must use.
3. Preferred Provider Organization (PPO): A PPO plan gives you the choice to see doctors and hospitals that are not in the network. However, it often costs more to go outside the network.
4. Private Fee-for-Service (PFFS): A PFFS plan explains how much the plan will pay for care and how much you will need to pay. It tells you what you owe doctors and hospitals for their services.
5. Special Needs Plan (SNP): An SNP plan is designed for people who have special health problems, qualify for both Medicare and Medicaid, or live in places like nursing homes.