Start with the broad structure
Many people first need a simple overview before they compare plan details. Medicare usually begins with Part A and Part B, then leads to a choice about how you want to receive or supplement coverage.
AB
Original Medicare
Part A and Part B administered by the federal Medicare program.
+
Original Medicare + Medigap + Part D
A Medigap policy can help with certain Original Medicare cost sharing, while a separate Part D plan can provide prescription coverage.
C
Medicare Advantage — Part C
A private Medicare-approved alternative for receiving Part A and Part B benefits; many plans include Part D.
What should you compare?
- Provider access and networks.
- Premiums, deductibles, copays and overall annual costs.
- Prescription coverage needs.
- Travel and out-of-area care needs.
- How much predictability or flexibility matters to you.
The best option is personal. A general comparison is helpful, but your doctors, medications and expected healthcare use can change the answer.