Start with the coverage path before comparing plans

Medicare.gov presents two main ways to receive Medicare coverage: Original Medicare or Medicare Advantage. The right research questions include provider access, drug coverage, costs, travel, and how other coverage is affected—but this page does not recommend a plan.

Sources reviewed September 5, 2026. General education only.

Original Medicare path

Original Medicare includes Part A and Part B. You may add separate Part D drug coverage. A Medigap policy can help pay certain out-of-pocket costs in Original Medicare, subject to eligibility and enrollment rules.

Medicare Advantage path

Medicare Advantage is a private-plan alternative for receiving Part A and Part B benefits. Plan rules, networks, drug coverage, costs, and extra benefits can vary. Verify current plan documents and directories instead of relying on a general summary.

Use a needs assessment as a research map

• List the coverage features and access questions that matter to you.
• Use official plan documents for current premiums, cost sharing, formularies, and provider directories.
• Confirm how a change could affect employer, retiree, Medicaid, Medigap, or other coverage.
• Do not treat a Star Rating by itself as a suitability decision.