Compare Plan Options

Comparing Original Medicare, Supplements, and Advantage Plans

Trying to understand all of your Medicare options can be confusing. Between Original Medicare, Medicare Supplement Plans, and Medicare Advantage Plans, it can be hard to know which plan will work best for you. We’ve compared the benefits covered by Original Medicare, Medigap policies, and Advantage Plans side-by-side so you don’t have to. While the best option is to work with an insurance agent, the next best thing is explore our guide, below.

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Comparing the Benefits Covered by Each Option

Is Part A covered?

Original Medicare: ✓

Medicare Supplement Plans: ✓

Medicare Advantage Plans: ✓

Is Part B covered?

Original Medicare: ✓

Medicare Supplement Plans: ✓

Medicare Advantage Plans: ✓

Is Part D covered?

Original Medicare: ✖

Medicare Supplement Plans: Sometimes

Medicare Advantage Plans: Sometimes

Can I go to any hospital or provider in the U.S. that takes Medicare?

Original Medicare: 

Medicare Supplement Plans: 

Medicare Advantage Plans: ✖

Do I have the freedom of not choosing a primary care doctor?

Original Medicare: 

Medicare Supplement Plans: 

Medicare Advantage Plans: Sometimes

Can I see a specialist without a referral?

Original Medicare: ✓

Medicare Supplement Plans: ✓

Medicare Advantage Plans: Sometimes

Are extra benefits, like dental and vision, included?

Original Medicare: ✖

Medicare Supplement Plans: ✖

Medicare Advantage Plans: Sometimes

Do I get coverage for care received outside of the U.S.?

Original Medicare: ✖

Medicare Supplement Plans: Sometimes

Medicare Advantage Plans: ✖

Is it free (no monthly premium)?

Original Medicare: Sometimes

Medicare Supplement Plans: ✖

Medicare Advantage Plans: ✖ (*You may have a $0 premium, but the program isn’t free)

Do I have to pay a copayment or coinsurance?

Original Medicare: Sometimes

Medicare Supplement Plans: Sometimes

Medicare Advantage Plans: Sometimes

Is there an out-of-pocket expenses limit?

Original Medicare: ✖

Medicare Supplement Plans: Sometimes

Medicare Advantage Plans: ✓

To learn more about how each plan can work for you, contact the experts at Modern Senior Benefits.