Your Medicare options, explained
Medicare Advantage · Medigap · Drug Plans
When you become eligible for Medicare, you face a real decision, and the right answer depends on your doctors, your prescriptions, your health, and your budget. There are two main paths: stick with Original Medicare (usually adding a Medigap plan and a drug plan), or choose a Medicare Advantage plan that bundles your coverage together. Neither is "better," they're better for different people. My job is to help you figure out which is better for you.
Medicare coverage
The three types of Medicare coverage I work with
Medicare Advantage Plans
All-in-one coverage · Part C
Hospital, medical, and usually drug coverage bundled into one plan, often with dental, vision, and hearing extras at a low or $0 monthly premium.
Learn how it worksMedigap Plans
Medicare Supplement
Pairs with Original Medicare to cover the deductibles, copays, and coinsurance it leaves behind, with the freedom to see any doctor who accepts Medicare.
Learn how it worksPrescription Drug Plans
Standalone Part D
Adds drug coverage to Original Medicare or a Medigap plan. The right plan depends on your exact medications and pharmacy, and a yearly review pays for itself.
Learn how it worksAlso worth knowing about: Hospital Indemnity Plans
Not a Medicare plan · Available to everyone
A supplemental policy that pays you a fixed cash benefit when you're hospitalized, a popular pairing with Medicare Advantage to offset daily hospital copays.
The basics
A quick map of Medicare
- Part A (Hospital)
- Covers inpatient hospital stays, skilled nursing, and hospice. Most people pay no premium.
- Part B (Medical)
- Covers doctor visits, outpatient care, and preventive services, with a monthly premium.
- Part C (Medicare Advantage)
- Private plans that replace how you receive Parts A and B, often bundling drug coverage and extras.
- Part D (Prescription Drugs)
- Drug coverage, either as a standalone plan or built into a Medicare Advantage plan.
- Medigap
- Supplemental insurance that pairs with Original Medicare (Parts A & B) to cover out-of-pocket costs.
Wondering how these fit together? Let's talk it through, no jargon, no pressure.
Not sure where to start? That's what I'm here for.
No pressure, no obligation, just a conversation about your needs.