Your Options
Medicare Advantage
(Part C)
Medicare Advantage plans provide Medicare Part A and Part B benefits and may also include extra benefits, such as wellness programs, hearing, vision, dental, and prescription drug coverage.
Prescription Drug Coverage
(Part D)
Prescription Drug Coverage, also known as Part D, helps cover prescription drug costs. If you have Original Medicare and want prescription drug coverage, you can enroll in a separate Medicare Part D plan.
Most Medicare Advantage plans include prescription drug coverage, so many people enrolled in Medicare Advantage do not need a separate Part D plan.
Medigap
(Medicare Supplement)
Medigap works with Original Medicare. It cannot be used with a Medicare Advantage plan to pay Medicare Advantage copays, deductibles, or premiums..
Medigap works with Original Medicare. It cannot be used with a Medicare Advantage plan to pay Medicare Advantage copays, deductibles, or premiums.
Your Options
Medicare Advantage
(Part C)
Medicare Advantage plans provide Medicare Part A and Part B benefits and may also include extra benefits, such as wellness programs, hearing, vision, dental, and prescription drug coverage.
Prescription Drug Coverage
(Part D)
Prescription Drug Coverage, also known as Part D, helps cover prescription drug costs. If you have Original Medicare and want prescription drug coverage, you can enroll in a separate Medicare Part D plan.
Most Medicare Advantage plans include prescription drug coverage, so many people enrolled in Medicare Advantage do not need a separate Part D plan.
Medigap
(Medicare Supplement)
Medigap works with Original Medicare. It cannot be used with a Medicare Advantage plan to pay Medicare Advantage copays, deductibles, or premiums.
Medigap works with Original Medicare. It cannot be used with a Medicare Advantage plan to pay Medicare Advantage copays, deductibles, or premiums.
Comparison
Plan
Medicare Advantage
(Part C)
Prescription Drug Coverage (Part D)
Medigap
(Medicare Supplement)
Premium
All Medicare Advantage plans require that you continue to pay your Part B insurance premium.
You may also have a separate monthly insurance premium for your Medicare Advantage plan.
Medicare Part D costs and coverage rules may change each year. Prescription drug costs can depend on the plan, pharmacy, medication tier, deductible, and annual out-of-pocket limits.
All Medigap plans require that you continue to pay your Part B premium and a separate premium for Medigap coverage.
Deductible
Some plans have deductibles.
Some plans have deductibles.
Some plans have deductibles.
Copays
There may be copayments that apply to specific services.
Many Part D plans require a fixed copayment each time you fill a prescription.
There may be copayments that apply to specific services.
Coinsurance
May apply to specific services.
Some plans require that you pay coinsurance for a medication every time you fill a prescription.
Coinsurance varies depending on the plan.
Coverage Gap
All plans have an annual limit on your out-of-pocket expenses.
Medicare Part D costs can vary by plan, pharmacy, medication tier, deductible, and coverage stage. In 2026, Part D plans include an annual out-of-pocket limit for covered prescription drugs. Once you reach the catastrophic coverage stage, you pay nothing out of pocket for covered Part D drugs for the rest of the calendar year.
Helps cover some of the out-of-pocket gaps left by Original Medicare, including certain deductibles, copayments, and coinsurance.
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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 187 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.