Option 1: Medicare Advantage (Part C)
All-in-one plan
Medicare Advantage combines:
- Part A (hospital)
- Part B (medical)
- Usually Part D (prescriptions)
You’ll get your coverage through a private insurance company, not the government.
What’s included?
- Hospital & doctor coverage
- Prescription drugs (usually)
- Extra benefits like dental, vision, hearing, gym memberships, or transportation
What you should know:
- You still pay your Part B premium
- Many plans have $0 premiums, but you may pay copays when you get care
- You must use the plan’s network of doctors and hospitals (HMO or PPO)
Option 2: Medigap (also called Medicare Supplement)
Works with Original Medicare
Medigap helps pay for costs Original Medicare doesn’t cover, like:
- Deductibles
- Coinsurance
- Copays
What’s included?
- Helps you pay out-of-pocket costs
- No dental or vision
- No drug coverage (you’ll need to buy a separate Part D plan)
What you should know:
- Higher monthly premium, but lower costs when you use care
- No network restrictions — see any doctor that accepts Medicare
- Best if you travel often or want flexibility
Quick Comparison Table:
| Feature | Medicare Advantage | Medigap (Supplement) |
|---|---|---|
| Covers Part A + B | ✅ | ✅ (you still use Original Medicare) |
| Includes Part D (drugs) | Usually | ❌ (buy separately) |
| Extra Benefits | ✅ (dental, vision, etc.) | ❌ |
| Choose your doctor | ❌ (must use a network) | ✅ (any Medicare doctor) |
| Monthly Premium | Often $0–low | Higher |
| Out-of-Pocket Costs | Pay as you go (copays) | Lower (helps cover costs) |
| Travel Coverage | Limited (in-network only) | Good for travelers |
Which One Is Right for You?
It depends on your:
- Budget
- Preferred doctors
- Travel habits
- Health care needs
Need help deciding? I can walk you through it in plain language and help you compare your options.
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