Compare Options
Comparison framework
Compare options without getting overwhelmed.
A simple framework so plans stop blurring together — and a side-by-side worksheet to use with any plan.
Four trade-offs that actually matter
- Premium vs. out-of-pocket. Lower-premium plans usually cost more when you use them.
- Network freedom vs. cost. Wide networks cost more; narrow networks save money but limit choice.
- Extras vs. predictability. Bundled "extras" sound good but vary widely; Supplements pay claims uniformly.
- Drug coverage now vs. later. Skipping drug coverage today can cost you a permanent penalty later.
Side-by-side comparison
| Comparison point | Original + Medigap + Part D | Medicare Advantage |
|---|---|---|
| Monthly premium | Higher (Part B + Medigap + Part D) | Usually lower; may be $0 + Part B |
| Doctor network | Any provider that accepts Medicare | Plan network |
| Out-of-pocket cap | No federal cap (Medigap pays the gap) | Federal cap, varies by plan |
| Drug formulary | Separate Part D plan | Often bundled in |
| Dental, vision, hearing | Bought separately | Often included as extras |
| Travel coverage | Strong — any Medicare provider | Depends on plan |