Will Medicare cover everything my current employer plan does?

Question

Dana Dane · Accepted Answer

In general, most people on Medicare who receive employer health insurance will delay Medicare Part B enrollment. In this case Medicare Part A (in-patient services) is billed first. I would contact your employer health insurance plan to find out what your cost sharing would be for specific services.

Answered by Dana Dane on April 3, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Mark Bilgere · Answer

Traditional Medicare will probably not cover everything your employer insurance covers. Of course that has a lot to do with the benefits offered by the employer plan. Most employer plans have dental insurance and drug insurance embedded in them. Medicare does not cover those things. However, there are so many variables that go into the decision to give up employer benefits and enroll in Medicare that it is impossible to make a decision without seeing all the options available to you. The main things to consider are: Premium, Annual Deductible, MOOP, Provider Networks, co-pays and co-insurance. In addition you need to consider if any other people are dependent on your employer benefits and what are the consequences if they no longer have them. It is best to work with a local broker who will take the time to educate you on all the options and help you make the right decision for your situation.

Answered by Mark Bilgere on February 16, 2026

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

It depends on what your employer is providing to you.   I would like to sit down and compare the differences.   There are many things your employer may provide that are not provided by Medicare.    Supplements cover strictly A&B coverages; you will also have to purchase a Part D program.   A Medicare Advantage plan will cover A-B&D in one package and generally without a monthly premium.  Some areas will have small premiums.

Danny Brechin
Contact me.

Lt Col Tim Brown · Answer

I don't know what your employer plan looks like.  In general terms, yes.  

Lt Col Tim Brown  
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Charise Karjala · Answer

Good evening, this is Charise Karjala with Health Markets Insurance Agency at my office in Palm Desert, California. This question reads, "Will Medicare cover everything my current employer plan does?" That's a great question, and it's pretty hard to answer without knowing how old you are, what your Medicare eligibility is, and what your options are within your finances.

But I will say this: employer-sponsored plans or individually family plans have carve-outs or additional benefits that may be different from Medicare's. In the case of some employer-sponsored plans, I think of Starbucks, for example. They have cut coverage for certain procedures that insurance companies and Medicare do not approve of, and it's considered to be an employee benefit. So think in vitro fertilization or some LGBT procedures. Those are two that would be covered but aren't really appropriate for Medicare beneficiaries, if you know what I mean.

So let me say this: Medicare, at the end of the day, if you have Medicare as a secondary, which is a gap policy, there's no insurance company between you and Medicare. There's only you and the CMS regulations and Medicare to administer them. As long as your doctor is doing the diagnostics and the coding correctly, there's no insurance company to say prior authorization or not approved or needs a second opinion or a flat no. If it's approved by CMS, the markers are all hit, you've got the appropriate protocol, then there's no reason for it to be denied.

So the question, "Will Medicare cover everything my current employer plan does?" Yes, and maybe more easily. So think about that one.

Tony Capraro III · Answer

Will Medicare cover everything my current employer plan does? That's a great question to ask before you make any decisions. What we do here at my State Farm agency on Kelly Street in Manchester, New Hampshire, is we get the plan documents from the current employer. They send it to us, we take a look, we see what they cover, we see what the deductibles are, we see what the limitations are, then we bring our client in and say, here's how this would compare to original Medicare parts A and B. But then we also talk about adding a Medicare supplement, which would cover all of the gaps and limitations in original Medicare. Do your homework for us, work with someone like myself who deals with this every single day and can give you great information so that you can make good decisions. I love that question, I'd be glad to help.

Ronnie Robinson Jr · Answer

Depends on which Medicare option you choose. There are two ways to go for you. Benefits that your job has like disability pay, Etc., would be an additional policy aside from Medicare.

Christy Jones · Answer

This is question that can’t be answered with accuracy until a Broker has more information.  When comparing employer plans to Medicare plan coverage, there are many things to consider.  What does your Employer plan cost?  Does the prescription coverage count as ‘credible coverage’? What are the specific benefits? What is the medical deductible?  
When you meet with a trusted Medicare Broker, make sure you have all of those details so you can compare what your specific Employer plan covers and what Medicare plan options cover in your state/county.

Tasha Riggs · Answer

Generally speaking Medicare tends to cover more benefits than employer coverage. 
Even if your employer pays for your premiums the coverage when you use it , is typically far superior. The network of doctors is very very large.  I

Steven Litzsinger · Answer

It may or may not cover everything on your current employer's plan, but you can rest assured that Medicare offers comprehensive coverage (Part A- Hospital, Part B- Outpatient, and Part D- Prescription Drug Plan). While there may be some similarities between Medicare and Employer Sponsored Health Insurance Plans, it's a separate program with different rules. 

Both programs are regulated by state and federal laws as it relates to plan design, benefits, and protection. 

In fact, most of our clients have reported that the Medicare benefits have been better than their employer offered plans and often is a lower out of pocket cost for better coverage. 

If you would like to learn more about Medicare or get help comparing the risks/out of pocket cost for healthcare between an employer plan and Medicare;  a local, trusted, Medicare agent can help you compare and contrast the two programs and provide you with the information you need to make an informed decision.

Cody Biggs · Answer

Not necessarily. Medicare is excellent coverage, but it doesn’t work exactly like an employer plan. Your employer plan may bundle medical, drug coverage, dental, vision, and sometimes even extras under one umbrella, while Medicare separates these into different parts and may require you to add a supplement or Medicare Advantage plan to match what you currently have. Many people find Medicare to be more cost-effective overall, but it usually isn’t a one-to-one replacement for every benefit offered by an employer plan.

Answered by Cody Biggs on December 11, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs Medicare Insurance Agent

Mark Cunningham · Answer

While both Medicare and employer plans provide health coverage, they differ significantly in scope and benefits. Employer plans often offer comprehensive packages that include medical, dental, vision, and sometimes even wellness programs. Medicare, however, primarily focuses on medical and hospital insurance.

Medicare consists of several parts, each covering different aspects of healthcare:
•	Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
•	Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
•	Part C (Medicare Advantage): An alternative to Original Medicare, offered by private companies approved by Medicare. Provides all Part A and Part B benefits and may include extra benefits like vision, hearing, and dental.
•	Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs.

Employer-sponsored health plans typically provide a broader range of coverage options, including:
•	Medical Insurance: Comprehensive coverage for doctor's visits, hospital stays, and medical procedures.
•	Prescription Drug Coverage: Often includes a wider range of medications and lower co-pays.
•	Dental and Vision Insurance: Coverage for routine dental exams, cleanings, vision tests, glasses, and contact lenses.
•	Additional Benefits: Wellness programs, gym memberships, mental health services, and other perks.

While Medicare offers extensive medical and hospital coverage, it may not include all the benefits that an employer-sponsored plan does. Carefully comparing the two can help you determine the best path forward for your healthcare needs.

Daniel Maisel · Answer

No, Basic Medicare Parts A & B covers 
A: HOSPITAL
B: DOCTORS. 

No prescription drugs unless administered by a doctor. 

That is why the majority of people on Medicare get:
1) Medicare Supplement or Medi-Gap plan.
Or
2) A Medicare Advantage (Part C) plan. 
3) A Prescription Drug (Part D) plan.

They fill in, when combined with basic MEDICARE usually much mire than the coverage you are getting from your employer.

Of you have any questions, feel free to contact me direct and I can answer more specific questions you may have. 

My assistance is complimentary, their is no fee.

Joanna Finnegan · Answer

Original Medicare does not cover Dental, Vision, Hearing, and some other things that your employer plan might be covering. You can however get these benefits with a Medicare Advantage plan or Supplemental plan.

Answered by Joanna Finnegan on August 6, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Eddie Tune · Answer

I need more information on your employer plan. Please feel free to contact me. Medicare cover comprehensive benefits

Michael Caldwell · Answer

No, Medicare will not cover everything your current employer plan does, even if you're eligible for Medicare and still working. Medicare is designed to work with other insurance, and how they interact depends on your employer's size.

Answered by Michael Caldwell on May 20, 2025

Broker Licensed in IN, AL, AR & 31 other states

Answered by Michael Caldwell Medicare Insurance Agent

Allen McGirl · Answer

Not necessarily. Medicare can provide strong coverage, but it often works differently than employer-sponsored insurance, and there can be gaps depending on which Medicare option you choose.

John Burke · Answer

If you're talking about Original Medicare, the answer is no, but a Medicare Advantage plan  could- you would need to compare the two plans side-by-side.

Bryan Monteagudo · Answer

In most cases, Medicare covers more than Group insurance. Most Group insurance have a high deductible compared to Medicare. It is always good to contact an agent to discuss. Everybody’s healthcare is different and also the needs.

Answered by Bryan Monteagudo on February 16, 2026

Agent Licensed in FL

Answered by Bryan Monteagudo Medicare Insurance Agent

Steven Bleicher · Answer

If you work for a major corporation, due to their buying power with so many employees being covered for healthcare, it is incumbent upon you to do a comparison study as to which insurance covers more ground: your employer's plan or Medicare? Though, if you work for a smaller company, now it likely becomes more clear that Medicare will be the better choice. The main topics to review are: the # of days covered with an official admittance to a hospital, what the copays are with a visit to specialists or labs, if there is a free gym membership included, what drugs are covered especially those brand name drugs that can afford to advertise on TV, etc., etc.

Answered by Steven Bleicher on May 30, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Good question. No. Original Medicare has it's own set of coverages & exclusions. Original Medicare varies from Group Health insurance plans. Generally, Medicare though is well liked by Medicare Beneficiaries.

Answered by Andrew Zurbuch, MBA on March 11, 2026

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Steve Houchens · Answer

Without knowing what your current plan covers there isn’t anyway to give you a definitive answer to your question. Someone would have to be able to compare the plans but generally speaking for instance a Medicare Supplement plan G covers pretty much everything with minimal exceptions. You should sit down with and agent and compare all your options.

Answered by Steve Houchens on December 29, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Jim Tretola · Answer

It depends what your employer Plan covers and WHICH type of Medicare Plan you choose.
Most employer Plans are very similar to Medicare Advantage Plans, so they would be the best comparison that your Broker can help you with.

Timothy Brown · Answer

That depends the on the additional coverage beyond what Original Medicare,(Red, white & blue card) offers. Medicare Advantage/Part C plans can provide coverage similar to employer plans. Medicare Supplements/Medigap plans offered more enhanced medical coverage to Original Medicare Part A & B (Doctors & hospitals) only. Additional coverage for prescription drugs, dental, vision, etc. will require separate plans.

Answered by Timothy Brown on April 8, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Kristen Skinner · Answer

If you still have Employer insurance offered and you are also on Medicare, usually the employer's insurance covers the claims first. The Medicare is secondary. So Medicare will cover pre existing conditions, and most preventative screenings are free.

Answered by Kristen Skinner on February 16, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

No. Medicare will cover medically-necessary health services, but that will not include dental, vision, hearing and prescription drugs that may be covered by your plan at work. Medicare is a very different form of health coverage than employer-provided group plans. Before moving into a Medicare plan, you need to understand the various parts of Medicare and the difference between Original Medicare and Medicare Advantage.

Answered by Barbara Barnes, CMIP® on April 3, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Yasmery Vargas · Answer

No. All plans are different. Don't drop employee coverage unless you have problems with it or premium is to high.

Chad Watkins · Answer

What does Medicare cover and not cover? To answer this question, we need to take a look at the two different parts of Medicare. Medicare has Part A, which is your hospital coverage, and Part B, which is your medical coverage. Part A, typically, people do not pay a premium for unless you did not work for at least 40 quarters within your lifetime. Part A is going to cover your inpatient hospital care, some skilled nursing care, and hospice care. There is a deductible of $1,676 every time you go in the hospital. If you're there more than 60 days, there's a copay of $419 per day from day 91 to 150. It goes up to $838 per day. Then after that, you will be paying for everything as it is not covered.

For skilled nursing facility care, Medicare will cover you for the first 20 days. Then after that, it's $209.50 per day up to day 100. After day 100, you're not covered, so everything will be out of pocket. Your Part B covers your doctor services, your outpatient services, including surgery, and some other services and supplies that are not covered by Part A. There is a premium for your Part B. Most people will pay $185 per month, but it does go up based on your income. Part B has an annual deductible of $257. Then after that, 20% is what your co-insurance would be.

There are two different types of plans that you can get: Medicare Supplement and Medicare Advantage to cover the things that Medicare does not cover. If you still have questions or need any help applying for our plan, please feel welcome to give me a call. I am licensed in every state and DC.

Leslie Helene Sussman · Answer

Medicare may NOT cover all that your current employer plan does or has in the past. It is a great idea to always compare your current employer Health Plan to your Medicare plan options to find out what plans in your area cover.

Answered by Leslie Helene Sussman on April 7, 2025

Broker Licensed in NJ, FL & PA

Answered by Leslie Helene Sussman Medicare Insurance Agent

Hannah Skinner · Answer

Although Medicare does cover an abundance of services, there is not a guarantee that Medicare will cover everything that your employer coverage does. It would be wise to do a side by side comparison of your current plan versus Medicare plans. Meeting with a Medicare agent to discuss your options can make comparing plans less overwhelming.

Answered by Hannah Skinner on July 10, 2025

Agent Licensed in SC, AL, AR & 44 other states

Answered by Hannah Skinner Medicare Insurance Agent

Diana Salisbury · Answer

You can not assume that will happen.  An agent or broker will help compare plans to see what type of plan will work best for you.

Jason Vallejos · Answer

It depends on your Employer Benefits and recommend a comparison of benefits.  Medicare is very rich in benefits but coverage may vary by employer group.

Christopher Garcia · Answer

Not necessarily. Employer, health plans, and Medicare are regulated very differently. CMS (The Center for Medicare and Medicaid Services) set the guidelines for what is covered by Medicare. It is important to compare your Medicare coverage to what your employer offers. A licensed agent can help you with this. I typically recommend someone local or who understands the area where you live. Professional guidance can be invaluable when comparing Medicare to employer coverage.

Answered by Christopher Garcia on August 4, 2025

Broker Licensed in NM, AZ, CO & TX

Answered by Christopher Garcia Medicare Insurance Agent

Cathy Barnett · Answer

No, Medicare only covers hospitalization and provider visits.  Medicare part A (Hosp) part B (physician visits).

Hudson Albert · Answer

Usually, no — Medicare does not automatically cover everything your employer plan covers. In some cases Medicare may cover more, in some cases less, and sometimes the costs are simply different.

Tracy Corwin · Answer

No Medicare B will not cover Vision, dental or prescriptions.  You would need an Advantage plan (part C) to have all for those additional services.

Deidre Wilhelm · Answer

Medicare itself doesn’t cover all things that your employer coverage does. However, there are options to ensure that you get covered for things such as medical, dental, vision, and prescription drugs.

Answered by Deidre Wilhelm on August 23, 2025

Agent Licensed in OH & WV

Answered by Deidre Wilhelm Medicare Insurance Agent

Fred Manas · Answer

No, Medicare will not cover everything your employer plan does. Medicare and employer-based coverage coordinate benefits, with the employer plan usually being the primary payer if you work for a company with 20 or more employees. This means Medicare pays second, after the employer plan has paid its share. Even with both plans, you may still have out-of-pocket costs like deductibles, copayments, or coinsurance. 
Elaboration:
Coordination of Benefits:  When you have both Medicare and employer-based coverage, the plans coordinate their benefits to determine who pays first and second. 
Primary vs. Secondary Payer:  The employer plan is generally the primary payer if you work for a company with 20 or more employees, meaning it pays first. Medicare becomes the secondary payer, covering any remaining costs for covered services. 
Employer-Based Coverage as Primary:  If you work for a company with 19 or fewer employees, Medicare typically pays first, and the employer plan is the secondary payer. 
Out-of-Pocket Costs:  Even with both plans, you may still have out-of-pocket costs like deductibles, copayments, or coinsurance. 
Medicare Coverage:  Medicare covers most medically necessary services and supplies in hospitals, doctors' offices, and other healthcare facilities. However, it doesn't cover everything, such as routine physical exams, eye exams, and most dental care. 
Employer Plan Benefits: Employer-based plans often offer benefits beyond what Medicare covers, such as prescription drug coverage, dental care, and vision care. 
Importance of Coordination of Benefits:  Understanding how Medicare and your employer plan coordinate benefits is important for ensuring that you receive the most appropriate coverage and minimize out-of-pocket costs.

Vachik Chakhbazian · Answer

No, Medicare will not cover everything your current employer plan does, even if you're eligible for Medicare and still working. Medicare is designed to work with other insurance, and how they interact depends on your employer's size.

Answered by Michael Caldwell on May 20, 2025

Broker Licensed in IN, AL, AR & 31 other states

Gary Henderson · Answer

If you get a Medicare supplement plan, it'll cover more than that by a long shot. Covers 100% hospitalization and 100% outside the hospital. After you meet your annual deductible which for 2025 is $257, you'll need to purchase a separate prescription drug plan, but if you just take generic medications, there's a plan from WellCare that is often $0 per month 
Medicare supplement plans are your best option 
It also you can go any doctor. You're not locked into any particular Network like you are today with your employer plan. Any doctor takes Medicare will take your Medicare supplement plan by law
Medicare advantage plans are not your best option and are similar to your employer plans, but they have high Max out of pocket annually which the negative part of it

Meghan Blankenship · Answer

Medicare doesn't cover everything your employer plan does. It will cover hospital and medical care, and you can add drug coverage, but things like dental, vision, and long-term care aren't included unless you choose a Medicare Advantage plan that offers them. Think of Medicare as a foundation - you may need to add a supplement or Advantage plan to get the same level of coverage you had at work.

Answered by Meghan Blankenship on November 25, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Suzanne Lamperti · Answer

You need to read the Medicare and You book. Medicare doesn't cover vision, hearing, or dental. Sign up for Part B and Part D so you're not penalized. Get educated on Medicare.

Todd Bostic · Answer

By law, Medicare must have insurance equivalent to the same or better coverage that you had with your employer.

Dean Chiapetto · Answer

Maybe! Medicare will cover medical issues that seniors have. It won't cover things like cosmetic surgery. It doesn't cover Dental, Vision or hearing aids. If you continue to work and your insurance is as good as Medicare it is best to turn on part A and suspend part B until you retire.  
Brokers Make a Difference. Find a local insurance agent who brokers several companies and let them help.

Pat Papson · Answer

Medicare is not mandated to provide the same coverage your employer is providing.

It is best to consider a local Agent to review possible "gaps" in coverage. And to make sure your plans fits your personal needs, and concerns

Carol Conner · Answer

No original Medicare does not cover prescriptions , dental , vision, hearing or Travel. but you can get a med supplement plan g and a standalone part D to help with these. Or a med advantage part c that usually includes these benefits and at a no monthly premium cost on most plans.

Answered by Carol Conner on October 19, 2025

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

Rodolfo Rojas · Answer

There are numerous of types of plans within Medicare. 
I would suggest you contact an agent, like myself, to allow us to do a need analysis to find the correct plan for you. 
Original Medicare, Medicare Advantage, Medicare supplement.

Joseph Peck · Answer

Depends on the plan. If you stay with original medicare you will actually have more medical coverage and no networks, Whereas with an advantage plan, you get dental and vision, but then you deal with networks and more being declined by private insurance.

Answered by Joseph Peck on June 2, 2025

Agent Licensed in MI, AL, CO, KS & TN

Answered by Joseph Peck Medicare Insurance Agent

Glenn Alterman · Answer

Please send me your summary of benefits and I will locate an MAPD  plan matching your work benefits. Original Medicare will not have dental and vision visits, gym memberships etc

Dominic Javier · Answer

No, Medicare does not cover everything that your current employer plan does. Depending on the benefits of your employer, Medicare however covers Part A and B, and D if you have enrolled, and there may be differences in benefits and costs between the two plans.

Answered by Dominic Javier on August 4, 2025

Broker Licensed in TX

Answered by Dominic Javier Medicare Insurance Agent

Michael Gilman · Answer

Medicare is excellent coverage, but it doesn’t match your employer plan benefit‑for‑benefit. Some things your employer plan covers, Medicare may not, and some things Medicare covers, your employer plan may not. The key is figuring out which one gives you the best protection and the lowest cost based on your health needs. If you want someone to compare for you your first step is to reach out to an agent and then fill out a SCOPE form so that the agent will have permission to get into the facts about specific plans.

Answered by Michael Gilman on April 27, 2026

Broker Licensed in NY

Answered by Michael Gilman Medicare Insurance Agent

Jessica Ellis · Answer

No Medicare will not cover everything your employer plan does. Medicare has strong hospital and medical coverage but it does not include things like routine dental, vision, or hearing unless you add a Medicare Advantage plan that offers those extras. Employer plans often bundle more benefits together. With Medicare you may need to add a Part D drug plan and possibly a supplement or choose a Medicare Advantage plan to get coverage closer to what you had with work insurance.

Answered by Jessica Ellis on October 2, 2025

Broker Licensed in OK

Answered by Jessica Ellis Medicare Insurance Agent

Daniel Keane · Answer

I have no idea what your employer plan covers. We would have to sit down and compare your employer plan with Medigap plans and Medicare Advantage Plans in your area.

Ted Sims · Answer

Medicare won't cover everything your current employer group plan does.

Your employer plan (if it's with 20+ employees) usually covers a broader range of services.

You could have things like Dental, Vision, Hearing, better prescription coverage, wellness perks and things like this.   Additionally, group plans have other riders that you may have purchased like cancer plans, critical illness riders and accident plans or life insurance that is not covered by Medicare.

Medicare is strong on the Hospital and Doctor side but does not match all in one feel of a group plan.   Additionally, Medicare leaves gaps for things like Home Health care, confinement care and many other things that you should at least educate yourself on.

Rene Casanova · Answer

Medicare and all group insurance plans cover illnesses and injuries. If you are diagnosed with an illness you will be covered subject to any deductible and coinsurance whether it's covered by Medicare or your group insurance plan at your employment.

Answered by Rene Casanova on June 16, 2025

Broker Licensed in TX

Answered by Rene Casanova Medicare Insurance Agent

Alexis Pepple · Answer

Hard to say, this is a case by case basis. Especially when it comes to drug coverage. A good agent at Pepple Insurance will help you look as all of your options and make sure that your current doctors and Medications are covered in the most advantageous way.

Answered by Alexis Pepple on September 22, 2025

Broker Licensed in CO, AK, AL & 38 other states

Answered by Alexis Pepple Medicare Insurance Agent

Janelle Brown · Answer

No, Medicare usually doesn’t cover the same as an employer plan, it varies for things like dental, vision, and medical coverage.

Mike Sosso · Answer

This is a great question because if you have qualified employer coverage from an empoyer of 20 or more employees, don't have to enroll in Medicare A&B when you first turn 65 if you are planning to keep your employer coverage. Otherwise you could face a penalty if you don't enroll at that time.  But when you have qualified employer coverage you don't have to enroll until you lose that coverage. 

For this reason we always recommend a detailed review of employer coverage to include the costs associated with that coverage and compare it with what Medicare would provide.  In many cases, Medicare offers more and better coverage for less money.  If that is the case, we would recommend staying with the employer coverage until you plan to retire.  

A personal evaluation for each situation is always avisable so you or someone you know is facing this situation, have them reach out to us and we can review your situation for no cost or obligation.

Collette Rance · Answer

The short answer is " that depends". Medicare covers what is "medically necessary" as defined by CMS (Centers for Medicare & Medicaid Services). If you are looking for a specific service, here's a good place to start:

Answered by Collette Rance on October 11, 2025

Broker Licensed in FL, GA, MA & 5 other states

Answered by Collette Rance Medicare Insurance Agent

Anatoli Korosidis · Answer

Not necessarily, some employer plans offer more coverage/benefits, while some offer less. Sitting with a licensed professional that can do a fair comparison of all options is best.

Stephen Ashford · Answer

It depends on what kind of coverage your employer's plan includes. Medicare Part A covers hospitalization costs, and Part B covers doctor visits. You will need to in a Part D to cover prescriptions and get some kind of supplemental coverage for Dental, Vision, and Hearing. Most people I work with choose to get Part C which are Medicare Advantage plans. They usually cover prescriptions, dental, vision, hearing and provide other benefits (grocery cards, social security give backs, transportation).

Answered by Stephen Ashford on May 2, 2025

Broker Licensed in NY, AR, IA & 5 other states

Answered by Stephen Ashford Medicare Insurance Agent

Will Medicare cover everything my current employer plan does?

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