There Are 2 Main Medicare Plan Options

1. Original Medicare

Original Medicare includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S.

  • If you want drug coverage, you can join a separate Medicare Prescription Drug Plan (Part D).
  • To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage like a Medicare Supplement Insurance (Medigap) policy.

If you don’t get Part D or a Medigap policy when you’re first eligible, you may have to pay more to get this coverage later.

2. Medicare Advantage

Medicare Advantage is an “all-in-one” alternative to Original Medicare. These bundled plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more.

  • Plans may have lower out-of-pocket costs than Original Medicare.
  • In most cases, you’ll need to use doctors who are in the plan’s network.