| Option 1: Original Medicare + Medigap + Part D |
Option 2: Medicare Advantage + prescription drug coverage |
|
|---|---|---|
| Coverage | Covers hospital stays and inpatient care (Part A), preventive and outpatient care (Part B), most out-of-pocket costs from Parts A and B (Medigap), and prescription drugs (Part D). | Covers all services provided by Original Medicare. Typically includes prescription drugs (Part D). May also offer routine dental, hearing, vision, and even wellness benefits. |
| Network | Original Medicare is accepted in all 50 states and by most providers. Medigap is accepted by any provider that also accepts Medicare and doesn't generally require a referral to see a specialist. Part D plans are limited to in-network pharmacies. | Generally limited to in-network plan providers, facilities, and pharmacies. Out-of-network services may cost more. Specialist referrals may be required. |
| Deductibles, copays, and coinsurance (excludes Part D) | Medigap covers most Original Medicare deductibles, copays, and coinsurance in return for premium payments.* | Varies by plan. You pay all copays and coinsurance, up to the annual out-of-pocket maximum. |
| Part D deductibles, copays, and coinsurance | You pay 100% of annual deductible, up to $590 in 2025. Out-of-pocket costs for covered medications are capped at $2,000. (Drugs not covered by the plan may cost more.) You can also pay for out-of-pocket expenses in monthly installments throughout the year. | You pay 100% of annual deductible, up to $590 in 2025. Out-of-pocket costs for covered medications are capped at $2,000. (Drugs not covered by the plan may cost more.) You can also pay for out-of-pocket expenses in monthly installments throughout the year. |
| Annual out-of-pocket maximums (2025) | Does not apply for Original Medicare and most Medigap plans. | Varies by plan but cannot exceed $9,350 for in-network services or $14,000 for combined in- and out-of-network services. |
Disclosure Title
Source:
Disclosure
medicare.gov and the Centers for Medicare & Medicaid Services.
*The high-deductible options for plans F, G, and J have a deductible of $2,870. Medigap Plans K and L have an out-of-pocket maximum of $7,220 and $3,610, respectively.