Is Original Medicare enough coverage on its own?

Generally no. Original Medicare has no annual out-of-pocket cap and excludes most prescription drugs, routine dental care, vision care, and hearing care. This is why many beneficiaries add Medigap, Medicare Advantage, or Medicare Part D coverage.

What is the biggest gap in Original Medicare?

The biggest gap is the lack of an annual out-of-pocket maximum. A serious illness can generate ongoing costs without a built-in financial ceiling under Original Medicare.

Should I choose Medigap or Medicare Advantage?

The right choice depends on your priorities. Medigap may suit people who prefer network-free flexibility and more predictable costs, while Medicare Advantage may suit people who prefer bundled benefits and a lower starting premium. There is no single option that is best for everyone.

Do I need Part D if I have Medigap?

Yes. Medigap policies do not include prescription drug coverage, so beneficiaries who want drug coverage generally need to enroll in a separate standalone Medicare Part D plan.

When is the best time to enroll in Medigap?

The best time is generally during the six-month Medigap Open Enrollment Period that begins when you are enrolled in Medicare Part B and are age 65 or older. During this period, applicants generally have federal guaranteed-issue protections regardless of their health.

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Medicare Myths Busted!

Medicare Myth

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Medicare Myths Busted!

Medicare Myth

Medicare Myth: If you have Original Medicare, you don’t need additional health insurance

💡 MEDICARE MYTH | 📢 You Can Only Sign Up During Your Birthday Month 🥳

Medicare Myth: Medicare Covers Long-Term Care

Medicare Myth: Medicare covers all prescription drugs

Medicare Myth | If You Keep Working Past 65, You Don’t Need Medicare

Medicare Myth: Medicare is Free for Everyone

Medicare Myth | You Must Enroll in Medicare When You Turn 65

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EXACTLY What Will Happen When You Fill Out This Form ... and What Will NOT

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