Comparing Plans

Compare 2022 Medicare Plans

It’s important to compare your Medicare coverage options. You can enroll in Medicare Part A and Part B, or you can choose a Medicare Advantage plan.

If you’re thinking of enrolling in Medicare, it’s important to compare your coverage options beforehand. You can enroll in Medicare Part A and Part B, or you can choose a Medicare Advantage plan. 

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent

1-800-557-6059

Original Medicare vs. Medicare Advantage

The first step in comparing Medicare plans involves understanding the differences between the two main types of coverage.

  • Original Medicare is made up of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Many people enrolled in Original Medicare choose to add private Medicare Part D (prescription drug coverage) and/or a private Medicare Supplement Insurance plan (Medigap), which may help pay for certain out-of-pocket costs, like coinsurance, deductibles and copayments.

  • Medicare Advantage plans (Part C) are an alternative to Original Medicare offered by private insurance companies. They are Medicare-approved plans required by law to offer the same benefits as Original Medicare. Medicare Advantage plans may include benefits that Original Medicare doesn’t offer, such as hearing, eye and vision care, prescription drug coverage, and health and wellness benefits.

In order to enroll in a Medicare Advantage plan, you must

  • Enroll in Original Medicare (both Part A and Part B)
  • Live in the plan’s service area
  • Usually not have End Stage Renal Disease (ESRD)

Unlike Original Medicare, Medicare Advantage plans limit your out-of-pocket costs. Once you’ve reached that limit, your plan will cover 100% of your medical expenses for the rest of the year. Specific out-of-pocket limits, deductibles, copayments and coinsurance vary depending on the plan.

Before enrolling, you’ll want to make sure that the plan comes with benefits that suit your unique medical needs. Not every plan, for example, comes with a prescription drug benefit.

The next step

A licensed insurance agent can help you find Medicare Advantage plans in your area and get you enrolled in a plan that makes sense for your health care needs and budget.

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent

1-800-557-6059

Christian

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

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