Three Ways to Get Medicare Coverage
Choosing the right Medicare coverage is an important decision. Here's a comprehensive comparison to help you understand your options.
Original Medicare
Parts A & B
- 💰 Monthly Premium: Part B premium (currently $185 in 2025)
- 🏥 Coverage: Hospital (Part A) and Medical (Part B)
- 🌍 Network: Any doctor accepting Medicare
- 💊 Prescription Drugs: Requires separate Part D plan
Advantages
- Freedom to see any Medicare-accepting provider
- No referrals needed for specialists
- Coverage nationwide
- Predictable coverage rules
Considerations
- No out-of-pocket maximum
- 20% coinsurance for Part B services
- No prescription drug coverage included
- May need supplemental coverage for gaps
Medicare Supplement
Medigap Plans
- 💰 Monthly Premium: Part B + Medigap premium ($150-$400+)
- 🏥 Coverage: Fills gaps in Original Medicare
- 🌍 Network: Any Medicare-accepting provider
- 💊 Prescription Drugs: Requires separate Part D plan
Advantages
- Minimal out-of-pocket costs
- Freedom to choose any doctor
- Coverage while traveling in the U.S.
- No prior authorization needed
- Predictable monthly costs
Considerations
- Higher monthly premiums
- Requires separate drug coverage
- Medical underwriting after initial enrollment
- No extra benefits like dental or vision
Medicare Advantage
Part C Plans
- 💰 Monthly Premium: Part B + plan premium ($0-$200+)
- 🏥 Coverage: All-in-one alternative to Original Medicare
- 🌍 Network: Must use plan network (HMO/PPO)
- 💊 Prescription Drugs: Usually included
Advantages
- Often includes drug coverage
- Extra benefits (dental, vision, hearing, gym)
- Annual out-of-pocket maximum
- Lower monthly premiums (sometimes $0)
- All-in-one coverage
Considerations
- Must use network providers
- May need referrals for specialists
- Coverage varies by location
- Prior authorization may be required
- Higher out-of-pocket costs per service
Ready to Choose Your Coverage?
Connect with a licensed Medicare advisor to discuss which option is best for your healthcare needs and budget.
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