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Original Medicare Parts A & B
Covers essential inpatient (Part A) and outpatient (Part B) care. Standard costs include premiums paid to the government, deductibles, and a 20% coinsurance rate with no cap on your annual maximum out-of-pocket spending.
Path 1: Supplement + Part D
Original Medicare paired with a Medigap policy and standalone drug plan. Pros: Maximum provider flexibility and highly predictable costs. Cons: Monthly premiums are typically higher than Advantage plans.
Path 2: Medicare Advantage
All-in-one monthly plans (Part C) that often include drug coverage. Pros: Lower premiums and added benefits like dental, vision, and wellness. Cons: Provider networks and co-pays for service usage.
Note: Monthly Part B and Part D premiums may be subject to income-based adjustments (IRMAA) for higher earners.
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