Side-by-Side Comparison
Find the Plan That Fits Your Life.
Answer a few quick questions and we'll highlight the plan types that match your situation — then compare them side by side.
Tell Us About Your Situation
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What matters most to your budget?
How would you describe your health needs?
Do you take prescription medications?
How important is keeping your current doctors?
Plan Breakdown
All Medicare Plan Types
Part A
Hospital Insurance
Premium
$0 for most people
Deductible
$1,788 per benefit period
OOP Cap
Varies by hospital stay length
Network
Any Medicare-accepting hospital
Pros
- Free for most people who worked 40+ quarters
- Covers inpatient hospital, skilled nursing, hospice
- No network restrictions for hospital choice
Cons
- Does not cover outpatient care or prescriptions
- Per-benefit-period deductible can add up with multiple stays
Part B
Medical Insurance
Premium
$209.50/month (2027 standard)
Deductible
$292/year
OOP Cap
20% of Medicare-approved costs
Network
Any Medicare-accepting provider
Pros
- Covers doctor visits, outpatient care, preventive services
- No network — see any Medicare-accepting provider nationwide
- Predictable 20% coinsurance after deductible
Cons
- Monthly premium required (income-based surcharge for high earners)
- No cap on out-of-pocket costs without a supplement
Medicare Advantage
Part C — All-in-One Alternative
Premium
$0–$50+/month (plan varies)
Deductible
Varies by plan
OOP Cap
Capped annually (max $8,850 in-network, 2024)
Network
In-network providers (HMO/PPO)
Pros
- Often $0 premium with bundled drug coverage
- Annual out-of-pocket maximum protects against catastrophic costs
- Extra benefits: dental, vision, hearing, gym memberships
Cons
- Network restrictions — must use plan's doctors and hospitals
- Prior authorization required for some services
- Plans vary significantly by county and carrier
Part D
Prescription Drug Coverage
Premium
$0–$100+/month (plan varies)
Deductible
Up to $545/year (2024)
OOP Cap
Capped at $2,000 (2025 IRA change)
Network
Preferred pharmacy networks
Pros
- Protects against high drug costs, especially brand-name medications
- $2,000 annual out-of-pocket cap on drugs starting 2025
- Monthly payment plan option (Medicare Prescription Payment Plan)
Cons
- Each plan has its own formulary — your drug may not be covered
- Late-enrollment penalty if you go without creditable coverage
Medigap
Medicare Supplement Insurance
Premium
$100–$300+/month (age & plan vary)
Deductible
Varies by plan letter (Plan G: $240)
OOP Cap
Near $0 with Plan G or Plan N
Network
Any Medicare-accepting provider nationwide
Pros
- Covers Part A & B cost-sharing — near-zero out-of-pocket
- See any Medicare-accepting doctor in the US — no networks
- Guaranteed renewable — can't be cancelled due to health
Cons
- Higher monthly premium than Medicare Advantage
- Does not include drug coverage — need a separate Part D plan
- Medical underwriting may apply outside open enrollment
At a Glance
Full Side-by-Side Comparison
| Feature | Part A | Part B | Advantage | Part D | Medigap |
|---|---|---|---|---|---|
| Monthly Premium | $0 (most) | $209.50/mo | $0–$50+ | $0–$100+ | $100–$300+ |
| Annual Deductible | $1,788/period | $292/yr | Varies | Up to $545 | $0–$240 |
| Out-of-Pocket Cap | None | None | ~$8,850 | $2,000 (2025) | Near $0 |
| Network Freedom | Any hospital | Any provider | In-network only | Preferred pharmacy | Any provider |
| Prescription Coverage | No | Limited | Usually yes | Yes | No (add Part D) |
| Dental / Vision / Hearing | No | No | Often yes | No | No |
| Best For | Everyone | Everyone | Low premium seekers | Rx users | Frequent care |
Still Not Sure Which Plan Is Right for You?
A licensed agent will review your specific medications, doctors, and budget — and find the best plan available in your area. Free, no pressure.