Original Medicare is the foundation of Medicare coverage provided by the federal government.
What it covers:
Part A (Hospital Insurance)
Hospital stays, skilled nursing facilities, hospice care, and limited home health care.
Part B (Medical Insurance)
Doctor visits, outpatient services, lab work, preventive care, and medical equipment.
What to know:
You can see any doctor nationwide who accepts Medicare
No provider network restrictions
No annual out-of-pocket maximum
Prescription drugs not included
Best for:
People who want nationwide provider access and flexibility.
Not sure which option fits you best?
We’ll help you compare plans and choose the coverage that matches your needs and budget.
Medicare Advantage plans are offered by private insurance companies and replace original Medicare.
What it includes:
Covers Part A + Part B
Often includes prescription drugs (Part D)
Many plans offer extra benefits like dental, vision, hearing, and fitness programs
What to know:
Plans usually have provider networks
Copays and coinsurance apply
Annual out-of-pocket maximum for medical costs
Premiums can be as low as $0 (Part B premium still applies)
Best for:
People who want bundled coverage and lower upfront costs.
Not sure which option fits you best?
We’ll help you compare plans and choose the coverage that matches your needs and budget.
Medigap plans work alongside Original Medicare to help cover out-of-pocket costs.
What it covers:
Deductibles
Copays
Coinsurance
Some plans cover foreign travel emergencies
What to know:
You keep Original Medicare
No networks — see any Medicare-accepting doctor
Monthly premium is higher, but costs are more predictable
Does not include prescription drugs
Best for:
People who want minimal surprise medical bills and broad provider access.
Not sure which option fits you best?
We’ll help you compare plans and choose the coverage that matches your needs and budget.