Two ways to get your Medicare. Here is how they compare in 2026 — costs, flexibility, and the trade-offs.
The government program. See any doctor that accepts Medicare nationwide, no networks. You typically add a standalone Part D drug plan and often a Medigap supplement to cover out-of-pocket costs. You pay the $202.90 Part B premium (2026) plus any IRMAA.
A private plan that bundles A, B, and usually D, often with $0 premium and extras like dental, vision, and hearing. The trade-off: provider networks and referrals, and care is managed by the plan. You still pay your Part B premium.
You can move between Advantage and Original Medicare during the Annual Enrollment Period (Oct 15 – Dec 7) or the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31). Note that going back to Original Medicare with a Medigap plan can require medical underwriting outside your first enrollment.
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New here? Start for $7.49 →Advantage plans often have lower or $0 premiums and bundle drug coverage, but use networks and can have higher costs when you need a lot of care. Original Medicare plus Medigap costs more monthly but offers nationwide access and predictable costs.
Yes, during the Annual Enrollment Period (Oct 15-Dec 7) or the Medicare Advantage Open Enrollment Period (Jan 1-Mar 31). Adding a Medigap plan later may require underwriting.
Most Medicare Advantage plans include Part D prescription drug coverage, but not all — always check the specific plan.
Figures on this page are verified against U.S. government primary sources: