Compare Original Medicare, Medicare Advantage, Medigap and Part D drug plans from top US carriers — Humana, UnitedHealthcare, Aetna and more. Free, unbiased guidance.
Medicare has several parts and plan types — understanding each one is the key to choosing the right coverage.
Government coverage for hospital (Part A) and medical (Part B) services. No network restrictions.
Private insurance that replaces Original Medicare — often includes dental, vision, hearing and drugs at $0 premiums.
Works alongside Original Medicare to cover copays, deductibles and coinsurance — dramatically reducing out-of-pocket costs.
Stand-alone prescription drug coverage. Required to avoid late enrollment penalties.
Medicare Advantage plans designed for people with specific chronic conditions or dual Medicare/Medicaid eligibility.
If you qualify for both Medicare and Medicaid, you may get extra benefits and very low or zero cost-sharing.
Estimate your monthly Medicare costs based on your situation and plan type.
* Estimates based on 2026 averages. Get personalized plan help →
Medicare is divided into parts — here’s what each one covers and what you pay.
Covers inpatient hospital stays, skilled nursing, hospice and some home health services. Most people pay $0 premium for Part A if they worked 40+ quarters.
Covers doctor visits, outpatient care, preventive services and durable medical equipment. Standard 2026 premium: $174.70/month.
Offered by private insurers approved by Medicare. Must include all Part A and B benefits. Often adds dental, vision, hearing and prescription drugs.
Stand-alone drug plans from private insurers. Major change in 2026: $2,000 annual out-of-pocket cap on drug costs.
Private plans that fill the “gaps” in Original Medicare — covering deductibles, copays and coinsurance. Plan G is most comprehensive for 2020+ enrollees.
Initial Enrollment: 7-month window around your 65th birthday. Annual Enrollment: Oct 15–Dec 7. Missing windows can mean permanent late penalties.
| Feature | Medicare Advantage | Medigap + Part D |
|---|---|---|
| Monthly Premium | Often $0–$50/mo | $100–$250+/mo total |
| Out-of-Pocket Max | $8,850 (2026 max) | Very low to zero |
| Provider Network | Usually restricted (HMO/PPO) | Any Medicare provider nationwide |
| Drug Coverage | Usually included | Need separate Part D plan |
| Extra Benefits | Dental, vision, hearing | None typically |
| Best For | Lower premiums, good health | Frequent users, travelers |
Common questions from Americans approaching Medicare eligibility or switching plans.
Compare Medicare Advantage, Medigap and Part D plans from top carriers — free guidance from licensed Medicare advisors.