Choosing Medicare Coverage doesn't have to be overwhelming.
We've created this step-by-step tool to help you narrow down your options based on what matters most to you—
whether that's keeping your current doctors
managing prescription costs
or finding predictable monthly expenses.
Let's find the right fit together.
Which Medicare Coverage Option
Suits You?
Below are the main Medicare Coverage types.
Use the tool to determine which type is a good fit for your lifestyle.
Medicare Advantage Plans
Part C – All-in-one coverage
- •Many plans have a $0 monthly premium; in some areas, premiums may range roughly from about $0–$170 or more per month, depending on the plan and service area (educational example only, not a quote).
- •Includes hospital, medical, and often prescription drug coverage.
- •Network-based (HMO/PPO); costs depend on using in-network providers.
Medicare Supplement (Medigap)
Helps cover Original Medicare gaps
- •Works with Parts A & B – not a stand-alone plan.
- •Can help pay deductibles, copays, and coinsurance.
- •Generally lets you see any provider who accepts Medicare.
- •Does not include prescription drug coverage. You usually add a separate Part D drug plan for medications.
Medicare Part D
Prescription drug coverage
- •Helps cover outpatient prescription medications.
- •Offered by private plans approved by Medicare.
- •Formularies, tiers, and pharmacies affect what you pay.
Original Medicare
Parts A & B – Traditional coverage
- •Use any doctor or hospital that accepts Medicare.
- •Includes hospital (Part A) and medical (Part B) coverage.
- •Does not include most outpatient prescription drugs – Part D is separate.
Compare All Options
Not sure where to begin?
- •Look at Original Medicare, Medigap, Advantage, and Part D together.
- •Good starting point if you’re still deciding on a direction.
Important Information
Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options.
We are not connected with or endorsed by the U.S. government or the federal Medicare program.