Understanding Your Medicare Options

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How to Choose the Right One in 2025

Choosing the best Medicare options can feel overwhelming with so many plans available. Whether you’re new to Medicare or considering a switch, understanding your choices will help you select the right plan for your healthcare needs and budget. In this guide, we’ll break down the difference between Medicare and Medicare Advantage, helping you compare the benefits and drawbacks of each. If you're considering additional coverage, we’ll also explore Medicare Supplement options and how they work alongside Original Medicare. No matter where you are in your Medicare journey, we’re here to guide you through the many Medicare options available so you can make an informed choice with confidence., compare their benefits, and help you determine which one is best for you.

• Do you visit the doctor frequently?
• Do you take prescription medications regularly?
• Do you need additional benefits like vision or dental coverage?
• Are you comfortable with provider networks or do you prefer flexibility?
• If you need comprehensive coverage, a Medicare Advantage plan may be a good fit. If you want predictable costs and nationwide provider access, Medigap + Original Medicare may be better.

• Monthly Premiums: Original Medicare has lower premiums, while Medigap and Medicare Advantage may have higher costs but provide more benefits.
• Deductibles & Copays: Medigap reduces out-of-pocket costs, while Medicare Advantage often has lower copays.
• Out-of-Pocket Maximums: Medicare Advantage plans cap expenses, while Original Medicare does not.

• Medicare Advantage plans require using in-network providers, while Original Medicare and Medigap let you see any doctor who accepts Medicare.
• If you travel frequently, Original Medicare + Medigap may provide more flexibility.

• If you need medications, ensure your plan covers them affordably.
• Compare Medicare Part D plans if choosing Original Medicare or Medigap.
• Many Medicare Advantage plans include Part D coverage.