There are only two main paths. We explain both in plain English, compare costs, and help you choose the option that fits your doctors, prescriptions, and budget.
⚠️
Critical rule: You must pick one bucket. You cannot have Medicare Advantage and a Medicare Supplement at the same time.
🧩 Bucket 1: Original Medicare + Separate Plans
Parts A & B plus a stand‑alone drug plan and (optionally) a Medigap supplement.
Any doctor who accepts MedicareNo referralsSeparate Part DPredictable coverage with Medigap
Pros
Maximum provider choice nationwide
Standardized Medigap plans reduce surprises
Good for frequent travelers or complex care
No HMO referral rules
Cons
Higher monthly total (Part B + Medigap + Part D)
Multiple ID cards/companies
Separate policies for dental/vision/hearing
📦 Bucket 2: Medicare Advantage (All‑in‑One)
Part A, Part B, typically Part D, and extra benefits bundled in one plan with an annual out‑of‑pocket maximum.
Often low/zero plan premiumExtra benefits (dental/vision/hearing)Annual spending cap (MOOP)Networks & referrals may apply
Pros
One card, one company
Lower monthly cost for many people
Bundled extras and wellness perks
Built‑in annual maximum on medical costs
Cons
Provider networks and prior‑auth rules
Copays can add up with heavy usage
Benefits & networks can change each year
Coverage is tied to your service area
Feature
Bucket 1 — Original + Supplement
Bucket 2 — Medicare Advantage
Provider network
Any Medicare‑accepting provider
Plan network (HMO/PPO); out‑of‑network rules vary
Referrals
Not required
Often required for specialists in HMOs
Prescription drugs
Separate Part D plan
Usually included
Travel flexibility
Works nationwide; some foreign emergency with certain Medigap plans
Limited outside service area (emergency/urgent exceptions)
Monthly cost feel
Higher monthly / more predictable
Lower monthly / pay‑as‑you‑go copays
Annual cost protection
No MOOP under Original Medicare; Medigap reduces exposure
Medical MOOP set by plan each year
Example: costs for hospital stays
Illustrative only — we'll calculate your actual numbers based on your doctors, drugs, and zip code.
Start here
Medicare made simple — the Two‑Bucket Guide
There are only two main paths. We explain both in plain English, compare costs, and help you choose the option that fits your doctors, prescriptions, and budget.
⚠️
Critical rule: You must pick one bucket. You cannot have Medicare Advantage and a Medicare Supplement at the same time.
🧩 Bucket 1: Original Medicare + Separate Plans
Parts A & B plus a stand‑alone drug plan and (optionally) a Medigap supplement.
Any doctor who accepts MedicareNo referralsSeparate Part DPredictable coverage with Medigap
Pros
Maximum provider choice nationwide
Standardized Medigap plans reduce surprises
Good for frequent travelers or complex care
No HMO referral rules
Cons
Higher monthly total (Part B + Medigap + Part D)
Multiple ID cards/companies
Separate policies for dental/vision/hearing
📦 Bucket 2: Medicare Advantage (All‑in‑One)
Part A, Part B, typically Part D, and extra benefits bundled in one plan with an annual out‑of‑pocket maximum.
Often low/zero plan premiumExtra benefits (dental/vision/hearing)Annual spending cap (MOOP)Networks & referrals may apply
Pros
One card, one company
Lower monthly cost for many people
Bundled extras and wellness perks
Built‑in annual maximum on medical costs
Cons
Provider networks and prior‑auth rules
Copays can add up with heavy usage
Benefits & networks can change each year
Coverage is tied to your service area
Feature
Bucket 1 — Original + Supplement
Bucket 2 — Medicare Advantage
Provider network
Any Medicare‑accepting provider
Plan network (HMO/PPO); out‑of‑network rules vary
Referrals
Not required
Often required for specialists in HMOs
Prescription drugs
Separate Part D plan
Usually included
Travel flexibility
Works nationwide; some foreign emergency with certain Medigap plans
Limited outside service area (emergency/urgent exceptions)
Monthly cost feel
Higher monthly / more predictable
Lower monthly / pay‑as‑you‑go copays
Annual cost protection
No MOOP under Original Medicare; Medigap reduces exposure
Medical MOOP set by plan each year
Example: costs for hospital stays
Illustrative only — we'll calculate your actual numbers based on your doctors, drugs, and zip code.
$1,625MA: one stay
$3,250MA: two stays
$0*Medigap: one stay
$0*Medigap: two stays
*With common Medigap plans after meeting the Part B deductible. Exact copays vary by plan.
Quick quiz: which bucket fits you?
Tap "That's me" on the statements that sound like you.
I want the freedom to see any Medicare-accepting doctor without referrals.
I'm budget-focused and prefer a lower monthly premium, even if I pay copays as I go.
I travel often or spend months in another state each year.
I'm okay using a network and following referral/prior auth rules.
I want very predictable medical costs with minimal surprises.
I like the idea of bundled extras (dental/vision/hearing, fitness, OTC).
0 selected
Quick Cost Estimator
Adjust a few numbers to compare your estimated annual costs in each bucket. Enter your zip code for the most accurate local plan estimates.
Your Location
Why zip code? Medicare plan costs, networks, and benefits vary significantly by location. Enter your zip code to see typical values for Medicare Advantage and Medigap plans in your area.
Bucket 2 — Medicare Advantage
Bucket 1 — Original + Medigap + Part D
Estimated Annual Totals
Medicare Advantage$0
Original + Medigap$0
Notes: MOOP caps medical costs in MA (premiums and drugs not capped). Medigap figures vary by plan. Rx costs may be lower with the 2025 Part D $2,000 cap; you can type your estimate above.
Understanding Medicare Plan Options
Medicare Advantage Plans
Medicare Advantage plans (Part C) are offered by private insurance companies approved by Medicare. These all-in-one plans combine hospital coverage (Part A), medical coverage (Part B), and usually prescription drug coverage (Part D) into a single plan.
Key Features:
Network-based care: Most plans use HMO or PPO networks, meaning you'll typically need to use doctors and hospitals within the plan's network
Extra benefits: Many plans include dental, vision, hearing, fitness memberships, and over-the-counter allowances at no additional cost
Maximum out-of-pocket protection: All plans have an annual limit on what you'll pay for medical services
Plan premiums: Many plans have $0 monthly premiums (plus your Part B premium), though you'll pay copays when you use services
Medicare Supplement (Medigap) Plans
Medicare Supplement insurance, also called Medigap, helps pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Key Features:
Standardized plans: Medigap policies are standardized by letter (Plan G, Plan N, etc.), offering predictable benefits nationwide
Freedom of choice: See any doctor or hospital that accepts Medicare anywhere in the United States
No networks or referrals: You don't need permission to see specialists
Guaranteed renewable: Your coverage can't be cancelled as long as you pay your premium
Prescription Drug Plans (Part D)
If you choose Original Medicare with a Medigap plan, you'll need a separate Part D prescription drug plan. These plans help cover the cost of prescription medications and are offered by private insurance companies.
Important for 2025: Part D plans now have a $2,000 annual out-of-pocket cap on prescription drug costs, providing significant financial protection for those with expensive medications.
Choosing the Right Plan for Your Situation
Consider Medicare Advantage if:
You want lower monthly costs and are comfortable with copays when you use services
You primarily stay in one area and don't travel extensively
You value extra benefits like dental, vision, and fitness perks
You're comfortable working within a provider network
Consider Original Medicare + Medigap if:
You want the freedom to see any Medicare-accepting provider
You travel frequently or split time between states
You prefer predictable costs over lower monthly premiums
You have specific doctors or specialists you want to continue seeing
Frequently Asked Questions
What are the two main Medicare options?
The two main paths are: 1) Original Medicare (Parts A & B) with a separate Part D prescription drug plan and optional Medigap supplement, or 2) Medicare Advantage (Part C) which bundles hospital, medical, and usually prescription drug coverage in one plan.
Can I have both Medicare Advantage and a Medicare Supplement?
No, you cannot have both at the same time. You must choose one path - either Medicare Advantage OR Original Medicare with a supplement. Having both would cause coverage conflicts and claim denials.
Which Medicare option is better for travelers?
Original Medicare with a Medigap supplement is typically better for frequent travelers. It works nationwide with any Medicare-accepting provider, while Medicare Advantage plans are limited to their service area except for emergencies.
Do Medicare Advantage plans really have $0 premiums?
Many Medicare Advantage plans do have $0 monthly plan premiums, but you still pay your Part B premium. You'll also pay copays when you use medical services. The total cost depends on how much healthcare you use during the year.
When can I enroll in Medicare?
Your Initial Enrollment Period begins 3 months before you turn 65, includes your birthday month, and extends 3 months after. There's also an Annual Enrollment Period (October 15 - December 7) when you can make changes to your coverage.
How do I know which plan is right for me?
The best plan depends on your doctors, prescriptions, health needs, budget, and lifestyle. Use our cost estimator above to compare costs, and schedule a free consultation with us to review your specific situation and get personalized recommendations.
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