Medicare, made clearer.
Medicare has several parts and a lot of jargon. This page explains the basics of Medicare Advantage, Part D, and Supplement (Medigap) — no quotes, no carriers, no pressure.
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Understanding the parts
Medicare is made up of several parts. Knowing what each covers helps you compare Original Medicare, Medicare Advantage, and Supplement options.
Medicare Part A (Hospital)
Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and limited home health care. Most people get premium-free Part A based on work history.
Medicare Part B (Medical)
Helps cover doctor visits, outpatient care, preventive services, and some medical equipment. Part B requires a monthly premium for most people.
Medicare Advantage (Part C)
Private plans that bundle Part A and Part B — and usually Part D — often with extra benefits like dental, vision, or wellness programs. Rules and networks vary by plan.
Medicare Part D (Prescription drugs)
Standalone prescription drug coverage you can add to Original Medicare, or included in many Medicare Advantage plans. Formularies and costs differ by plan.
Medicare Supplement (Medigap)
Private policies that help pay some of the costs Original Medicare doesn't cover — like copayments, coinsurance, and deductibles. Medigap works with Original Medicare, not Advantage.
Original Medicare vs. Medicare Advantage
One of the first choices you'll make is how you receive your Medicare benefits. Each path has different trade-offs.
Original Medicare
- See any doctor or hospital that accepts Medicare.
- Add a Medigap policy to help with out-of-pocket costs.
- Add a standalone Part D plan for prescriptions.
- Generally no network restrictions for covered services.
Medicare Advantage
- Bundles Parts A, B, and usually D in one private plan.
- Often includes extras like dental, vision, or wellness.
- Typically uses networks, referrals, and prior authorization.
- Cannot be combined with a Medigap policy.
Key enrollment periods
Timing affects your options and can affect costs. These are the periods that matter most.
Initial Enrollment Period (IEP)
A 7-month window around your 65th birthday when you can first sign up for Medicare. Timing here can affect late penalties.
General Enrollment Period
January 1–March 31 each year, for those who missed their IEP. Coverage begins the month after you enroll.
Open Enrollment (Annual Election)
October 15–December 7 each year, when anyone with Medicare can change Advantage and Part D plans for the following year.
Enrollment dates can change. Always confirm current deadlines with the official Medicare program before making decisions.
Frequently asked questions
Medicare doesn't have to be confusing
Our team can walk you through your options and help you understand what fits — with a real person, no pressure. Talking with us is optional.