Original Medicare + Medigap
- Use any doctor or hospital in the U.S. that accepts Medicare — no network.
- Predictable monthly cost: Part B premium + Medigap premium + Part D premium.
- Very little paperwork after the doctor visit — Medicare and Medigap settle most bills.
- No extras (dental, vision, hearing, OTC) unless you buy them separately.
Medicare Advantage
- Lower or $0 monthly premiums — but copays add up if you use a lot of care.
- Network rules (HMO, PPO) — your doctors and hospital must participate.
- Built-in Part D drug coverage on most plans.
- Extras like dental, vision, hearing, OTC allowance, gym membership, transportation.
Get a free side-by-side comparison
A licensed Ohio agent will show you what each path looks like for your specific doctors and prescriptions. Callback within 24 hours.
How to choose
A general rule: if you travel a lot, see specialists in multiple cities, or want maximum predictability, Original Medicare + a Medigap plan + a stand-alone Part D plan is often the better fit. If you mostly use local doctors and want low monthly costs plus extras, Medicare Advantage often wins. But the "right" answer depends on your specific situation — which is exactly what a free 20-minute call with a licensed agent answers.
Compare both paths — free.
A licensed Ohio agent will look at your doctors, prescriptions, and budget and explain which fits. Callback within 24 hours.
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- No cost, no obligation, no robocalls
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