MEDICARE
Medicare: Understand Your Coverage Choices
Medicare decisions involve more than comparing premiums. Provider access, prescription coverage, out-of-pocket costs, travel and enrollment timing can all change which option fits.
Start With the Decision You Need to Make
Use these pages to understand the major Medicare choices before comparing specific plans.
Medicare Advantage
Private Medicare plans that provide Part A and Part B benefits and usually include Part D drug coverage. Provider networks, costs and extra benefits vary by plan.
Explore Medicare Advantage →Medicare Supplement (Medigap)
Coverage used with Original Medicare to help pay certain out-of-pocket costs. Medigap is separate from Medicare Advantage.
Explore Medigap →Medicare Part D
Prescription drug coverage available through stand-alone Part D plans or many Medicare Advantage plans.
Explore Part D →Turning 65
A practical starting point for understanding enrollment timing, Part A, Part B and the coverage decisions that follow.
Turning 65 Guide →Working Past 65
Employer coverage can affect when you enroll in Medicare. The right timing depends on the type of coverage you have and your specific situation.
Working Past 65 →Advantage vs. Supplement
Compare provider access, premiums, out-of-pocket risk, prescription coverage, travel considerations and enrollment timing.
Compare the Options →What Changes the Answer?
There is no single Medicare option that is best for everyone.
- Which doctors, specialists and hospitals you want to use.
- Your prescription drugs and the plan formulary and pharmacy network.
- How you prefer to balance monthly premiums against out-of-pocket exposure.
- How often you travel or spend time outside your local service area.
- Your enrollment timing and whether Medigap underwriting or a guaranteed-issue right may apply.