Comparison

Compare Medicare plans side by side

Original Medicare, Medicare Advantage and a Supplement plan, compared on the things that change your care and your bills.

Speak to an advisor Call (317) 555-0132

The full comparison

Icons show where each path is generally stronger or weaker. On a phone, each option appears as its own card.

Original Medicare, Medicare Advantage and Medicare Supplement compared
What matters	Original MedicareParts A and B	Medicare AdvantagePart C	Original + SupplementMedigap with Part D
Doctors and hospitals	Stronger:Any provider nationwide that accepts Medicare	Mixed:Plan network, HMO or PPO	Stronger:Any provider nationwide that accepts Medicare
Monthly premium	Stronger:Part B premium only	Stronger:Part B premium, plus $0 to $95 (sample)	Weaker:Part B, plus about $86 to $164 Medigap and a Part D premium (sample)
Yearly out-of-pocket limit	Weaker:None	Mixed:Yes, up to $9,250 in network (2026)	Stronger:Very low exposure. Plan G leaves only the $283 Part B deductible
Prescription drugs	Weaker:Add a Part D plan	Stronger:Usually included	Mixed:Add a Part D plan
Referrals to specialists	Stronger:Not needed	Mixed:Often required on HMO plans	Stronger:Not needed
Dental, vision and hearing	Weaker:Not covered	Stronger:Often included with limits	Mixed:Add a stand-alone policy
Travel within the U.S.	Stronger:Covered nationwide	Mixed:Emergencies nationwide, routine care limited on HMOs	Stronger:Covered nationwide
Prior authorization	Stronger:Rare	Weaker:Common for imaging, surgery and some drugs	Stronger:Rare
Changing your mind later	Mixed:Add coverage at set enrollment periods	Mixed:Switch each fall. Moving to Medigap may require health questions	Mixed:Change carriers anytime, but health questions may apply after your open window
Often a good fit when	You have other primary coverage, such as VA or employer	Your doctors are in network and you want extras and a low premium	You want freedom, predictable bills, or you travel often

Original Medicare

Parts A and B

Doctors and hospitals: Stronger:Any provider nationwide that accepts Medicare
Monthly premium: Stronger:Part B premium only
Yearly out-of-pocket limit: Weaker:None
Prescription drugs: Weaker:Add a Part D plan
Referrals to specialists: Stronger:Not needed
Dental, vision and hearing: Weaker:Not covered
Travel within the U.S.: Stronger:Covered nationwide
Prior authorization: Stronger:Rare
Changing your mind later: Mixed:Add coverage at set enrollment periods
Often a good fit when: You have other primary coverage, such as VA or employer

Read the guide

Medicare Advantage

Part C

Doctors and hospitals: Mixed:Plan network, HMO or PPO
Monthly premium: Stronger:Part B premium, plus $0 to $95 (sample)
Yearly out-of-pocket limit: Mixed:Yes, up to $9,250 in network (2026)
Prescription drugs: Stronger:Usually included
Referrals to specialists: Mixed:Often required on HMO plans
Dental, vision and hearing: Stronger:Often included with limits
Travel within the U.S.: Mixed:Emergencies nationwide, routine care limited on HMOs
Prior authorization: Weaker:Common for imaging, surgery and some drugs
Changing your mind later: Mixed:Switch each fall. Moving to Medigap may require health questions
Often a good fit when: Your doctors are in network and you want extras and a low premium

Read the guide

Original + Supplement

Medigap with Part D

Doctors and hospitals: Stronger:Any provider nationwide that accepts Medicare
Monthly premium: Weaker:Part B, plus about $86 to $164 Medigap and a Part D premium (sample)
Yearly out-of-pocket limit: Stronger:Very low exposure. Plan G leaves only the $283 Part B deductible
Prescription drugs: Mixed:Add a Part D plan
Referrals to specialists: Stronger:Not needed
Dental, vision and hearing: Mixed:Add a stand-alone policy
Travel within the U.S.: Stronger:Covered nationwide
Prior authorization: Stronger:Rare
Changing your mind later: Mixed:Change carriers anytime, but health questions may apply after your open window
Often a good fit when: You want freedom, predictable bills, or you travel often

Read the guide

Swipe to compare all three options

Stronger Mixed WeakerDollar figures are 2026 samples for Central Indiana.

Three neighbors, three right answers

Composite examples based on common situations we see. Names and figures are illustrative samples.

Ruth, 67, Broad Ripple
Sees a cardiologist every quarter and spends February in Sarasota.
Chose
Original Medicare, Supplement Plan G and a Part D plan
Estimated cost
About $3,410 a year in premiums, with only the $283 Part B deductible on top (sample).
Why it fit
No networks to check in Florida, and cardiology visits carry no copays.
Gerald, 66, Greenwood
Healthy, sees his Franciscan primary care doctor twice a year, wants dental.
Chose
Medicare Advantage PPO with dental and vision
Estimated cost
$0 plan premium plus Part B. Expected copays around $180 a year (sample).
Why it fit
His doctors are in network and the dental allowance covers two cleanings and a filling.
Anita, 71, Lawrence
Has Medicare and full Indiana Medicaid, manages diabetes and needs rides to appointments.
Chose
Dual Eligible Special Needs Plan
Estimated cost
$0 premium, $0 primary care copays and a quarterly OTC allowance (sample).
Why it fit
A care coordinator schedules her visits and transportation is included.

Choosing a Supplement? Compare the letters.

Every carrier's Plan G has identical benefits. Compare letters first, then carriers on price and rate history.

Plan G vs Plan N guide

Plan A
Core benefits only
4 of 9 benefits
Plan B
Core plus Part A deductible
5 of 9 benefits
Plan C
Broad coverage, pre-2020 only
8 of 9 benefits
Pre-2020 only
Plan D
Like G, without excess charges
7 of 9 benefits
Plan F
Most complete, pre-2020 only
9 of 9 benefits
Pre-2020 only
Plan G
Everything but the Part B deductible
8 of 9 benefits
Most chosen
Plan K
Half cost sharing, yearly cap
6 of 9 benefits
Plan L
75% cost sharing, yearly cap
6 of 9 benefits
Plan M
Half the Part A deductible
7 of 9 benefits
Plan N
Lower premium, small copays
7 of 9 benefits
Best value

Standardized Medigap benefits by plan letter
Benefit	A	B	C	D	F	G	K	L	M	N
Part A coinsurance and hospital costs	Covered	Covered	Covered	Covered	Covered	Covered	Covered	Covered	Covered	Covered
Part B coinsurance or copays	Covered	Covered	Covered	Covered	Covered	Covered	50%	75%	Covered	Yes*
First 3 pints of blood	Covered	Covered	Covered	Covered	Covered	Covered	50%	75%	Covered	Covered
Part A hospice coinsurance	Covered	Covered	Covered	Covered	Covered	Covered	50%	75%	Covered	Covered
Skilled nursing coinsurance	-	-	Covered	Covered	Covered	Covered	50%	75%	Covered	Covered
Part A deductible	-	Covered	Covered	Covered	Covered	Covered	50%	75%	50%	Covered
Part B deductible	-	-	Covered	-	Covered	-	-	-	-	-
Part B excess charges	-	-	-	-	Covered	Covered	-	-	-	-
Foreign travel emergency	-	-	80%	80%	80%	80%	-	-	80%	80%

* Plan N pays Part B coinsurance except up to $20 for some office visits and up to $50 for ER visits without admission. Plans C and F are only available to people eligible for Medicare before January 1, 2020. Plans K and L have yearly out-of-pocket limits.

Comparison questions

No. Supplement plans only work with Original Medicare. It is illegal for an agent to sell you a Medigap policy if you are enrolled in Medicare Advantage, unless you are switching back to Original Medicare.

It depends on how much care you use. Advantage often costs less in a healthy year. A Supplement often costs less in a year with a hospital stay, surgery or cancer treatment. We estimate both for your situation.

You can return to Original Medicare during enrollment periods, but in Indiana a Supplement carrier may ask health questions after your Medigap Open Enrollment Period, and could decline you. There are limited trial-right exceptions in your first year.

Want this table with your numbers?

Bring your doctors and prescriptions. We will fill in real premiums and estimated yearly costs for the plans we offer in your ZIP code.

Speak to an advisor Call (317) 555-0132

Licensed in Indiana. TTY 711. Mon - Fri 8:00 am - 6:00 pm

Compare Medicare plans side by side

The full comparison

Three neighbors, three right answers

Ruth, 67, Broad Ripple

Gerald, 66, Greenwood

Anita, 71, Lawrence

Choosing a Supplement? Compare the letters.

Plan Plan A

Plan Plan B

Plan Plan C

Plan Plan D

Plan Plan F

Plan Plan G

Plan Plan K

Plan Plan L

Plan Plan M

Plan Plan N

Comparison questions

Can I have both Medicare Advantage and a Supplement?

Which option has the lowest total cost?

Can I switch from Advantage to a Supplement later?

Want this table with your numbers?

Plan A

Plan B

Plan C

Plan D

Plan F

Plan G

Plan K

Plan L

Plan M

Plan N