How it Works

Government Medicare (Parts A & B) + optional Supplement & Part D

Private plan that replaces Original Medicare

Doctor Choice

Any doctor nationwide that accepts Medicare

Network-based (HMO/PPO)

Referrals

Not required

Required for specialists

Out-of-Pocket Costs

Lower, more predictable with a supplement

Varies; copays and a higher max out-of-pocket may apply

Coverage Area

Nationwide coverage

Local/regional networks

Prescription Drugs

Separate Part D plan needed

Often included

Extra Benefits

Typically not included

May include additional benefits

Travel Flexibility

Excellent for frequent travelers

Limited outside service area

Simplicity

More pieces, but predictable

All-in-one plan