Start with the broad structure
Many people first need a simple overview before they compare plan details. Medicare usually begins with Part A and Part B, then leads to a choice about how you want to receive or supplement coverage.
Original Medicare
Part A and Part B administered by the federal Medicare program.
Original Medicare + Medigap + Part D
A Medigap policy can help with certain Original Medicare cost sharing, while a separate Part D plan can provide prescription coverage.
Medicare Advantage — Part C
A private Medicare-approved alternative for receiving Part A and Part B benefits; many plans include Part D.
What should you compare?
- Provider access and networks.
- Premiums, deductibles, copays and overall annual costs.
- Prescription coverage needs.
- Travel and out-of-area care needs.
- How much predictability or flexibility matters to you.
2027 plan quality ratings are now available
CMS has released the 2027 Star Ratings for Medicare Advantage and Part D plans. Star Ratings provide a quality and performance measure, but they are only one part of a complete plan review.
When reviewing 2027 coverage, consider plan quality together with your doctors, prescriptions, pharmacy access, expected annual costs, network rules and benefits.