Once you receive your Medicare A & B card there are lots of options available with Medicare insurance plans. Your original Medicare Card only covers 80% of the Hospital and Outpatient bills, leaving 20% on the table for you to pay. The Medigap plans and the Medicare Advantage plans help cover the 20%. Your portion of the costs will be the premiums, copays, and coinsurance on the plan that you choose. Many people find these choices can be overwhelming, but we can make it easy to compare your options.