You get Medicare B (hospital or physician administered drugs like chemotherapy) if you pay the premium.
Everyone should get Medigap, as Medicare A + B only pay 80% (or 90%?) of costs, so Medigap covers most of your obligation under A+B. Those with very low incomes can get a LLS (low income supplement where the government covers the gap).
Medicare C is Medicare Advantage is HMO Advantage. It's basically the government paying premiums to an HMO Medicare plan instead of providing the benefit directly themselves. It covers Medicare A+B+Medigap.
Medicare D is prescription drugs (drug you take home and give yourself). Your premiums are paid by the government but offered by private insurers. The choice here (and there are calculators) are more complex as there are multiples plans to choose from and they are updated each year and it depends on what drugs you're on or think you'll be on.
But it computes nothing for us. We all like to plug in our personal socio-economic numbers of what we have and get result … rather instantly. This here is the Internet!
Not everyone is good at math. Much less on SSA/Medicare/HMO policy and procedures. (But I am, as I compute this labyrinth for my senior citizen family members, each, repeatedly)
Imagine a calculator that said “Please list all drugs you currently take or may take next calendar year”.
That alone is a massive undertaking for most seniors.
- Medicare A/B
- Medicare D
- Medicare C
- Medigap
- HMO Advantage (Medicare)
And more.
This is the Internet! Surely there must be one out there somewhere???