How to Choose the Right Medicare Plan

With so many Medicare options — Original Medicare, Advantage plans, Medigap supplements — choosing the right coverage can feel overwhelming. This guide breaks it down step by step.

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Turning 65 and becoming eligible for Medicare is a major milestone. But with so many options, many people feel overwhelmed. Here's a clear guide to help you navigate the Medicare landscape.

Step 1: Understand Your Options
- Original Medicare (Part A + Part B): Hospital and medical coverage provided by the federal government
- Medicare Advantage (Part C): All-in-one plans from private insurers that replace Original Medicare
- Medicare Supplement (Medigap): Supplemental policies that fill the gaps in Original Medicare
- Part D: Prescription drug coverage (can be added to Original Medicare or bundled with Advantage)

Step 2: Consider Your Health Needs
If you have frequent doctor visits or ongoing conditions, look for plans with low copays and broad specialist networks. If you're generally healthy, you may prioritize a lower premium.

Step 3: Check Your Medications
Each Part D and Medicare Advantage plan has a formulary — a list of covered drugs. Before enrolling, verify that your current prescriptions are covered and check the cost tier.

Step 4: Compare Out-of-Pocket Maximums
Original Medicare has no out-of-pocket maximum. Medicare Advantage plans cap your spending, which can protect you from catastrophic costs.

Disclaimer: We do not offer every plan available in your area. For a complete listing of plans, please contact 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, or visit www.medicare.gov.