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TTY 711 · Savannah, GA
Original Medicare, Medigap with Part D, and Medicare Advantage on one page. Then see how Medigap letters compare.
Swipe on a phone or scroll the table. Every column links to a detailed guide.
| What matters | Original Medicare aloneParts A and B | Medigap + Part DOriginal Medicare plus a Supplement and drug plan | Medicare AdvantagePart C, usually with drug coverage |
|---|---|---|---|
| Choice of doctors | Any provider nationwide that accepts Medicare | Any provider nationwide that accepts Medicare | Plan network (HMO or PPO), referrals in many HMOs |
| Monthly premium | Part B premium only | Part B + Supplement + Part D premiums | Part B premium, plan premium often $0 |
| Yearly out-of-pocket limit | None | Very low with Plan G (mainly the Part B deductible) | Yes, set by each plan for in-network care |
| Prescription drugs | Not included | Separate Part D plan | Included in most plans |
| Dental, vision, hearing | Not included | Add a stand-alone policy | Often included, with limits |
| Travel within the U.S. | Covered with Medicare providers | Covered with Medicare providers | Emergencies covered; routine care depends on plan |
| Prior authorization | Rare | Rare | Required for some services |
| Changing later | Add coverage during enrollment periods | Switching Supplements may require health questions | Change each fall; Medigap later may require underwriting |
Parts A and B
Original Medicare plus a Supplement and drug plan
Part C, usually with drug coverage
General comparison for education. Plan availability, costs and rules vary by plan and county. We do not offer every plan available in your area.
Benefits are standardized by letter, so a Plan G is the same benefit package from any company. Premiums are what differ.
| Benefit | Plan G | Plan N | Plan K | High Deductible G |
|---|---|---|---|---|
| Part A coinsurance and hospital costs | Yes | Yes | Yes | Yes* |
| Part B coinsurance or copayment | Yes | Yes, with copays | 50% | Yes* |
| Blood (first 3 pints) | Yes | Yes | 50% | Yes* |
| Hospice care coinsurance | Yes | Yes | 50% | Yes* |
| Skilled nursing facility coinsurance | Yes | Yes | 50% | Yes* |
| Part A deductible | Yes | Yes | 50% | Yes* |
| Part B deductible | No | No | No | No |
| Part B excess charges | Yes | No | No | Yes* |
| Foreign travel emergency | 80% | 80% | No | 80%* |
*High Deductible Plan G pays after you meet its annual deductible. Plan K has an annual out-of-pocket limit. Plan N may charge up to $20 for office visits and up to $50 for emergency room visits that do not result in admission. Swipe the table sideways on small screens.
If a specialist or hospital is non-negotiable, network rules may decide for you.
Snowbirds and frequent visitors to family out of state often prefer Medigap or PPO plans.
Medigap trades higher premiums for predictable bills. Advantage trades low premiums for copays.
Dental, vision, hearing and fitness benefits can tip the balance toward Advantage.
Still wondering about something? A licensed advisor can answer in plain English, usually the same day.
It is close to an even split. Clients who travel or want any specialist tend to choose Medigap Plan G or N. Clients comfortable with local networks often choose a Medicare Advantage PPO.
You can switch during enrollment periods, but moving to a Medigap policy later may require medical underwriting in Georgia. If you might want Medigap long term, choose carefully in your first year.
No. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all of your options.
Kitchen table, our Abercorn Street office or a video call. Your review is free, with no obligation to enroll.
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