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Medicare plan disclaimer: We do not offer every plan available in your area. Currently we represent 11 organizations which offer 87 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare overview

Start with how Medicare is structured.

Parts A and B form Original Medicare. You can keep Original Medicare and consider Part D and Medigap, or receive Medicare benefits through a private Medicare Advantage plan.

Original Medicare

Original Medicare includes Part A hospital insurance and Part B medical insurance. It generally lets you use any doctor or hospital that accepts Medicare in the United States. Original Medicare does not include a yearly out-of-pocket maximum for Part A and Part B services.

Medicare Advantage

Medicare Advantage, also called Part C, is another way to receive Medicare-covered services through a private plan approved by Medicare. Most plans include Part D drug coverage. Networks, prior authorization, cost sharing, premiums, and extra benefits vary by plan and location.

Medicare Supplement and Part D

A Medicare Supplement policy, also called Medigap, works with Original Medicare to help pay certain out-of-pocket costs. It is not used with Medicare Advantage. People who keep Original Medicare may consider a standalone Part D plan for prescription drug coverage.

Important: A Medicare Supplement policy and Medicare Advantage plan are different types of coverage. You cannot use Medigap to pay Medicare Advantage copayments, deductibles, or premiums.

Questions worth comparing

  • Which doctors, hospitals, and pharmacies do you use?
  • Which prescriptions do you take, and are they covered?
  • How much could you pay in premiums and out-of-pocket costs?
  • Do you travel or live in more than one area?
  • Are referrals or prior authorizations important to your care?
  • Do you qualify for a guaranteed-issue or open-enrollment right?

Official source: Medicare.gov, Compare Original Medicare and Medicare Advantage.

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