Medicare Options
Once enrolled in Original Medicare, you have a choice: enhance it with a Medicare Supplement (Medigap) & Part D plan, or replace it with a bundled Medicare Advantage plan.
Advantage
33M+
Medigap
14M+
Part D
50M+
Fall AEP
Oct 15 - Dec 7
Understanding the puzzle pieces
Original Medicare
Parts A & B provided by the government. Pays roughly 80% of approved costs, leaving you responsible for the remaining 20% with no cap.
No out-of-pocket maximum
Medicare Supplement
Private plans (like Plan G or N) that pay the 20% "gap" Original Medicare leaves behind. Offers maximum freedom of doctors.
Predictable health costs
Medicare Advantage
A private alternative to Original Medicare. Bundles A, B, usually D, and extras (dental/vision). Uses local HMO or PPO networks.
Lower premiums, copay based
Medicare Part D
Standalone drug plans for those who stay with Original Medicare or a Supplement. Helps cover the high cost of retail medications.
Prevents late-enrollment penalties
The Medigap Path
Freedom of Choice
See any doctor or hospital in the U.S. that accepts Medicare. No network restrictions.
No Referrals Needed
You don't need a primary care physician's permission to see a specialist.
Guaranteed Renewable
Your policy cannot be canceled due to health changes as long as premiums are paid.
The Advantage (Part C) Bundle
Advantage plans often have $0 premiums, but you pay copays as you go and must use network doctors (HMO/PPO).
Not sure whether a Supplement or Advantage plan is right for your healthcare needs?
