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Find Medicare Plans Near You

Here’s a state-by-state approach to help you understand Medicare

Want to Learn More About Medicare in Your State?

When it’s time to enroll in Medicare, choosing the right plan is one of the most important decisions you can make to protect your health and well-being long into retirement. Learn more about the Medicare options and resources in your state.

Are You New to Medicare or Searching for a Simple Refresher on Your Options?

We have tailored Medicare guides for the Novice, Experienced, or Caregiver.


Can I get Medicare in any state?

The type of Medicare plan you choose determines whether you may have coverage in all 50 states or within a specific care network.

  • Original Medicare (or Medicare Part A & B) provides coverage anywhere in the U.S. that accepts Original Medicare.
  • Medicare Advantage (or Medicare Part C) plans offer more benefits (such as dental, vision, hearing, and/or prescription drugs) than Original Medicare, but are limited to coverage inside a network. Still, all Medicare Advantage plans are required to cover care received in the emergency room or urgent care.

How does Medicare work when you turn 65?

Medicare is a federal health insurance program available to older adults ages 65 and older, and those with certain disabilities. Medicare enrollment begins with your Initial Enrollment Period (IEP), which lasts for seven months and opens three months before your 65 birthday (or four months before if you were born on the first of the month). Whether you receive Social Security payments or use an employer insurance plan can impact enrollment. Here’s how it works:

  • Social Security: If you receive Social Security payments prior to turning 65, you will automatically be enrolled in Part A and Part B. If you don’t draw Social Security payments, you will need to enroll in Medicare with the Social Security Administration.
  • Employer-sponsored insurance: If you’re still working when you turn 65 and don’t want to leave your employer’s insurance plan, you don’t have to enroll in Part B. Still, you may benefit from understanding how Part B works because you’ll need to enroll when you choose to leave your employer’s plan.

What does Medicare cover?

Original Medicare covers hospital insurance (Part A) and medical insurance (Part B). Original Medicare covers most of your needs, but not all. If you want prescription drug coverage, you can join a separate Medicare prescription drug plan (Part D). Also, you can choose to enroll in supplemental insurance to help pay out-of-pocket costs, like copays and coinsurance. Through programs like Medicaid, some may qualify for extra financial help based on limited income.

A different Medicare option to get Part A and Part B is Medicare Advantage (Medicare Part C). Sometimes referred to as “bundled” plans, Medicare Advantage plans usually include Part D with Part A and Part B. Most of these plans will include more benefits than Original Medicare, like vision, dental, and hearing. Unlike Original Medicare, these plans require you to use providers in the plan’s network. Still, these plans may have lower out-of-pocket costs than Original Medicare.

Is Medicare the same in all 50 states?

Because Medicare is a federal insurance program, the core elements of Medicare are the same in each state, but there are a few exceptions when it comes to certain parts.

Coverage Networks

Original Medicare allows you to see any provider that accepts Original Medicare in all 50 states. Medicare Advantage may limit you to providers in the plan’s network service area, but the plan is required to cover emergency care and urgent care in all 50 states.

Medigap or Medicare Supplement Plans

If you select to add Medicare Supplement insurance, the plan is standardized in nearly all 50 states with the exception of Massachusetts, Minnesota, and Wisconsin. Each state has the option to offer additional benefits beyond the federally determined “standard.”

Dual-eligibility based on Low Income

Some people are eligible for both Medicare and Medicaid. To qualify for Medicaid, you must apply with your state Medicaid office. Not all states have the same requirements to qualify for Medicaid.

Which states have the best Medicare programs?

Some states may have 5-star rated Medicare plans available, but the rating doesn’t always mean it’s the right plan for your needs. It’s important to do your homework, and a licensed insurance agent can help you compare options and find a plan that meets your needs.

What does a 5-star rating mean?

Medicare Advantage plans can be evaluated and scored by providers and patients to determine how well specific plans meet the needs of beneficiaries. In most cases, Part A and Part B coverage is rated in five different areas and Part D is rated in four different areas. Total ratings are averaged to create a collective “star rating.” Before you decide you want a five-star rated plan, make sure you know what you need and if that plan covers it. If you choose a five-star plan, but it doesn’t cover your monthly prescription needs, you may find yourself in an expensive situation when another plan (not five-start) may have been a better option.

Choose your state to find Medicare plans near you.

We have insurance agents that are licensed in your state, and ready to help you compare plans.

Discover how GoHealth can help you.

Speak with our licensed insurance agents, anytime.

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This website is operated by GoHealth, LLC., a licensed health insurance company. The website and its contents are for informational and educational purposes; helping people understand Medicare in a simple way. The purpose of this website is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Our mission is to help every American get better health insurance and save money.
Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.