Medicare Advantage (Part C)
Private plans that combine Part A, Part B, and usually Part D. Many include dental, vision, hearing, and fitness benefits, often with a $0 monthly premium and a yearly out-of-pocket maximum.
- Best for: people who want extra benefits and predictable costs
- Usually uses a provider network (HMO or PPO)
Medicare Supplement (Medigap)
Policies that work with Original Medicare to pay deductibles, copays, and coinsurance. Go to any doctor in the country that accepts Medicare.
- Best for: people who want freedom to choose doctors and minimal surprise bills
- Pair with a Part D plan for drug coverage
Prescription Drug Plans (Part D)
Standalone drug coverage for people on Original Medicare or Medigap, with a $2,000 annual out-of-pocket cap in 2026.