Medicare Options
Made Simple
This isn't about picking a plan. It's about picking peace of mind. Let's find what works for your life.
Part C
Medicare Advantage
An all-in-one alternative to Original Medicare. Plans often include prescription drugs, dental, vision, and hearing.
Benefits
Often $0 monthly premium options
Usually includes prescription drug coverage
May include dental, vision, hearing
Out-of-pocket maximum for protection
Extra benefits like gym memberships
Consider
Must use network doctors in most cases
May need referrals for specialists
May include dental, vision, hearing
Coverage limited by service area
Best for:
People who want an all-in-one plan and are comfortable with network restrictions.
Medigap
Medicare Supplement
Works alongside Original Medicare to cover costs like deductibles, copays, and coinsurance. Gives you more freedom.
Benefits
See any doctor who accepts Medicare
No network restrictions
Predictable costs - fewer surprises
Coverage travels with you nationwide
Guaranteed renewable
Consider
Monthly premium in addition to Part B
Must purchase separate drug plan (Part D)
Doesn't cover dental, vision, hearing
Best for:
People who travel, want doctor choice, or prefer predictable out-of-pocket costs.
Part C
Prescription Drug Plan
Standalone prescription drug coverage. Required if you have Original Medicare + Supplement and want drug coverage.
Benefits
Covers brand-name and generic drugs
Helps manage medication costs
Many plan options available
Can be paired with Original Medicare
Consider
Monthly premium varies by plan
Formulary restrictions may apply
Late enrollment penalties possible
Best for:
Anyone with Original Medicare who takes regular prescriptions.
Part C
Medicare Advantage
An all-in-one alternative to Original Medicare. Plans often include prescription drugs, dental, vision, and hearing.
Benefits
Often $0 monthly premium options
Usually includes prescription drug coverage
May include dental, vision, hearing
Out-of-pocket maximum for protection
Extra benefits like gym memberships
Consider
Must use network doctors in most cases
May need referrals for specialists
May include dental, vision, hearing
Coverage limited by service area
Best for:
People who want an all-in-one plan and are comfortable with network restrictions.
Medigap
Medicare Supplement
Works alongside Original Medicare to cover costs like deductibles, copays, and coinsurance. Gives you more freedom.
Benefits
See any doctor who accepts Medicare
No network restrictions
Predictable costs - fewer surprises
Coverage travels with you nationwide
Guaranteed renewable
Consider
Monthly premium in addition to Part B
Must purchase separate drug plan (Part D)
Doesn't cover dental, vision, hearing
Best for:
People who travel, want doctor choice, or prefer predictable out-of-pocket costs.
Part C
Prescription Drug Plan
Standalone prescription drug coverage. Required if you have Original Medicare + Supplement and want drug coverage.
Benefits
Covers brand-name and generic drugs
Helps manage medication costs
Many plan options available
Can be paired with Original Medicare
Consider
Monthly premium varies by plan
Formulary restrictions may apply
Late enrollment penalties possible
Best for:
Anyone with Original Medicare who takes regular prescriptions.
Quick Comparison
Medicare Advantage vs. Medicare Supplement at a glance.
Feature
Medicare Advantage
Medicare Supplement
Doctor Choice
Network-based
Any Medicare doctor
Monthly Premium
Often $0 (plus Part B)
Varies by plan
Drug Coverage
Usually included
Separate Part D needed
Travel Coverage
Limited to service area
Nationwide
Extra Benefits
Dental, vision, gym
Not included
Referrals Needed
Often yes (HMO plans)
Never
Health
Health
Health
Health
