Learn how Original Medicare, Medicare Advantage, prescription drug coverage, and Medicare Supplement insurance work differently.
Each option plays a different role.
Availability, benefits, provider networks, formularies, and costs vary by plan and location.
Original Medicare
Federal coverage made up of Part A and Part B. You can generally visit any provider that accepts Medicare, but it does not include most outpatient prescription drugs.
Medicare Advantage (Part C)
Another way to receive Part A and Part B benefits through a private plan approved by Medicare. Plans may use provider networks and may include drug coverage or additional benefits.
Prescription Drug Plans (Part D)
Helps cover prescription medications. Each plan has its own formulary, pharmacy network, costs, and coverage rules.
Medicare Supplement (Medigap)
Works with Original Medicare and may help pay certain deductibles, coinsurance, or copayments. Benefits are standardized by plan letter in most states; premiums vary.
Look beyond a single premium.
A useful comparison starts with your providers, medications, expected care, and budget.
Prepare for a comparison- Are your doctors, hospitals, and pharmacies included?
- How are your current prescriptions covered?
- What might you pay when you receive care?
- Will the coverage work while you travel or live elsewhere?
- Which extra benefits matter, and what limits apply?