Medicare options

See how the pieces fit together.

This overview is a starting point. Eligibility, timing, plan availability, networks, formularies, and costs should be checked for your individual situation.

Foundation

Original Medicare

Part A generally covers inpatient hospital care, while Part B generally covers physician and outpatient services. Original Medicare lets you see providers nationwide who accept Medicare, but it does not include a yearly out-of-pocket maximum.

Supplement

Medigap

Medicare Supplement insurance helps pay certain cost-sharing left by Original Medicare. Plans are standardized by letter, but premiums and underwriting rules can vary. Prescription drug coverage is not included, so a separate Part D plan may be needed.

Prescription drugs

Part D

Part D plans cover outpatient prescription drugs. Premiums, deductibles, formularies, pharmacy networks, and total annual costs vary. Reviewing your medications each year can be important.

Alternative path

Medicare Advantage

Medicare Advantage plans provide Part A and Part B benefits through a private insurer. Many include Part D and additional benefits. Provider networks, referrals, copays, prior authorization, service areas, and maximum out-of-pocket limits deserve careful review.

Timing matters. Enrollment windows and guaranteed-issue rights depend on your circumstances. Before making a change, verify how it could affect your current coverage and your ability to obtain other coverage later.

What I help you compare

Doctors and hospitals

We check the providers and facilities important to you against the plan’s current network.

Prescriptions

We review your medication list, formulary placement, restrictions, and pharmacy choices.

Total cost and flexibility

We look beyond premium to copays, deductibles, travel needs, referrals, and financial exposure.