YourCompleteGuidetoMedicare
Plain-language explanations, free tools, and expert guidance — all in one place. Whether you're turning 65 or helping a loved one navigate their options, start here.
The Four Parts of Medicare
Medicare is divided into four parts, each covering different services. Understanding what each part covers is the first step to making an informed decision.
Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working.
Part B: Medical Insurance
Covers doctor visits, outpatient care, medical supplies, and preventive services. The standard Part B premium for 2026 is deducted from your Social Security check each month.
Part C: Medicare Advantage
An alternative to Original Medicare offered by private insurance companies. Medicare Advantage plans bundle Parts A and B, and usually include Part D (prescription drugs) and extra benefits like dental and vision.
Part D: Prescription Drug Coverage
Helps cover the cost of prescription drugs. Part D plans are offered by private companies approved by Medicare. If you don't enroll when first eligible, you may pay a late enrollment penalty.
Medigap vs. Medicare Advantage
This is the #1 decision Medicare beneficiaries face. Both paths have pros and cons — our interactive tool helps you see which one aligns with your lifestyle and budget.
Instant Recommendation
Get a personalized suggestion based on your doctor preferences and budget.
Educational Insights
Learn the key differences between networks, premiums, and out-of-pocket costs.
Which Path is Right for You?
Answer 3 quick questions to find your ideal Medicare path
How important is it to see any doctor who accepts Medicare?
Detailed Comparison
See how the two paths stack up across the most important categories.
| Feature | Medigap (Supplement) | Medicare Advantage |
|---|---|---|
| Network Restrictions | See any doctor that accepts Medicare — nationwide | Usually limited to plan's provider network |
| Monthly Premium | Higher monthly premium on top of Part B | Often $0 or low monthly premium |
| Out-of-Pocket Costs | Predictable — most plans cover nearly all gaps | Copays and coinsurance at time of service |
| Prescription Drugs | Requires separate Part D plan | Usually included in the plan |
| Extra Benefits | No dental, vision, or hearing coverage | Often includes dental, vision, hearing, fitness |
| Referrals Needed | No referrals needed for specialists | May require referrals depending on plan type |
| Best For | People who want maximum flexibility and predictable costs | People who want lower premiums and bundled benefits |
Why Choose Medigap?
Medigap plans offer the ultimate freedom. You can see any doctor in the country who accepts Medicare, and your costs are highly predictable.
Why Choose Advantage?
Medicare Advantage plans often have $0 premiums and include extra benefits like dental and vision, making them a great choice for budget-conscious seniors.
Medicare Enrollment Calculator
Don't miss your window. Enter your birth date to see exactly when you should begin your Medicare enrollment process.
Medicare Enrollment Date Calculator
Enter your date of birth to find your enrollment window
Medicare FAQ
We hear these questions every day. If yours isn't listed here, don't hesitate to reach out — we're happy to help.
Turning 65 This Year?
Download your free step-by-step Medicare checklist. Everything you need to know — in one simple document.
Still Have Questions? Let's Talk.
Schedule a free, no-obligation conversation with Michael Bond. We will answer your questions, compare your options, and help you make the right decision.