Medicare Plans

Understanding Your Medicare Plan Options

These pages explain plan types and key differences. When you are ready, Medicji will research what is actually available where you live and guide you through the decision.

Medicare Advantage (Part C)

These plans are offered by private companies approved by Medicare. They bundle Part A (hospital), Part B (medical), and usually Part D (prescription drugs) into one all-inclusive plan.

Often includes extra benefits like dental, vision, and hearing.
May feature $0 or low monthly premiums, but you pay copays for services.
Typically requires you to use doctors and hospitals in the plan's network (HMO or PPO).

Who is this for?

Best for individuals who want an all-in-one plan, value extra benefits like dental and vision, and are comfortable using a specific network of doctors and hospitals.

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Medicare Supplement (Medigap)

Medigap policies work alongside your Original Medicare. They help pay for some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Provides highly predictable out-of-pocket costs.
Gives you the freedom to see any doctor or specialist in the U.S. who accepts Medicare.
Requires a separate monthly premium, and does not include prescription drug coverage.

Who is this for?

Best for individuals who want maximum flexibility in choosing their doctors, plan to travel within the U.S., and prefer predictable medical costs despite a higher monthly premium.

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Prescription Drug Plans (Part D)

Part D is standalone prescription drug coverage offered by private insurance companies. It adds drug coverage to Original Medicare and Medicare Supplement plans.

Helps cover the cost of both brand-name and generic prescription drugs.
Each plan has a formulary, so it is vital to check if your medications are included.
Prevents late enrollment penalties by securing coverage when you are first eligible.

Who is this for?

Anyone enrolling in Original Medicare or a Medicare Supplement plan. (Note: Most Medicare Advantage plans already include Part D).

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Want to See How They Compare?

View a side-by-side comparison of Medicare Advantage vs. Medicare Supplement. When you are ready, Medicji can apply this to your specific situation.

Compare Plans Side-by-Side

Not Sure Which Plan Type Fits You?

The right choice depends on your doctors, prescriptions, and budget. Medicji will research the plans available in your area and explain your options personally.

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