Helpful tools
Small tools for big questions.
Nothing here asks for your information unless you want a call back. Take your time.
Plan quiz · 4 questions
Which kind of plan fits you?
Enrollment date finder
When is your sign-up window?
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Honest comparison
Advantage vs. Supplement, side by side
- Monthly premium
- AdvantageOften low or $0 (you still pay Part B)
- SupplementHigher; varies by plan letter, age, and ZIP
- Doctors & hospitals
- AdvantageUsually a network (HMO or PPO)
- SupplementAny provider in the U.S. that accepts Medicare
- Costs when you need care
- AdvantageCopays as you go, up to a yearly maximum
- SupplementVery predictable; some plans cover nearly everything
- Prescription drugs
- AdvantageUsually included
- SupplementAdd a separate Part D plan
- Extras (dental, vision, hearing)
- AdvantageOften included, with limits
- SupplementNot included
- Referrals & prior approval
- AdvantageSometimes required
- SupplementGenerally not required
- Switching later
- AdvantageCan change each fall
- SupplementSwitching plans may require health questions
Medicare Advantage
- Lower monthly cost for many people
- Drug coverage and extras in one plan
- Yearly out-of-pocket cap
- Network rules and possible prior approvals
- Costs add up during a serious illness
- Plans and networks can change each year
Medicare Supplement
- Freedom to see any Medicare provider
- Predictable bills, great for travel
- Benefits are standardized by plan letter
- Higher monthly premium
- Separate drug plan needed
- Changing later may require health questions
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