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Your Medicare Options

Original Medicare + Prescription Drug Plan (PDP)

For some people, Original Medicare is the best foundation, especially if you want flexibility to see doctors nationwide who accept Medicare.

  • Original Medicare includes Part A (hospital) and Part B (medical).
  • If you don’t have other creditable prescription coverage, you’ll usually need a separate Part D plan (PDP).
  • Without supplemental coverage, you may be responsible for cost-sharing (such as the 20% under Part B).

Medicare Supplement (Medigap)

If your budget allows, a Medicare Supplement can help cover some of the costs that Original Medicare does not cover.

  • Helps pay some out-of-pocket costs that Original Medicare leaves you with.
  • You can usually see any provider that accepts Medicare (no plan networks).
  • Important: Medicare Supplement plans do not include Part D, so you typically need a separate PDP.

Medicare Advantage (MAPD)

Medicare Advantage plans can be budget-friendly and often include extra benefits beyond Original Medicare.

  • Many plans include dental, vision, and hearing coverage.
  • Some plans include over-the-counter (OTC) benefits and other extra perks.
  • Most MAPD plans include prescription drug coverage built in.

Request a Free Medicare Review

If you would like a free Medicare review of your options, complete the form below.

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