Alternative to Original Medicare that bundles Part A, Part B, and usually Part D into one plan.
Key Features:

• Network-based (HMO/PPO) with provider restrictions

• Annual out-of-pocket maximum (unlike Original Medicare)

• Often includes extras like dental, vision, hearing aids

• $0 premium plans available in many areas

• Annual enrollment period (October 15 - December 7)

Standalone prescription drug insurance that works with Original Medicare.
Key Features:

• Covers prescription medications at pharmacies

• Formulary-based (covered drug list varies by plan)

• Coverage gap ("donut hole") may apply

• Late enrollment penalty if you delay without creditable coverage

• Changes annually - review during Open Enrollment

Private insurance that fills the gaps in Original Medicare.
Key Features:

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• Pays your share of Medicare-approved costs (deductibles, coinsurance)

• Works anywhere Medicare is accepted

• Standardized plans (Plan A through Plan N)

• No networks or referrals needed

• Guaranteed renewable with stable premiums
   

Standalone insurance for services Medicare doesn't cover.

Key Features:

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• Routine dental cleanings, fillings, crowns, dentures

• Vision care eye exams, glasses, contacts

• Hearing aids and audiology services

• Preventive focus with waiting periods for major services

• Supplement to Medicare - covers what Medicare excludes

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