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1. These plan combinations reflect the more common combinations of coverage for Medicare beneficiaries that do not have any other retiree health insurance coverage such as employer-sponsored group health insurance program (including Federal Employee Retirement Health Benefits (FEHB)), VA, CHAMPVA or TRICARE coverage
2. Medicare requires beneficiaries to have ‘creditable’ Part D prescription drug coverage in order to avoid late enrollment penalties. A standalone Part D prescription drug plan is required to avoid penalties if you do not have any other ‘creditable’ coverage such drug coverage from a current or former employer or union, VA, CHAMPVA or TRICARE coverage, or individual health insurance coverage
3. Assumes you purchase one of the most popular types of Medicare Supplement plans (Plan F, G or N) which represent 85% of all Medicare Supplement enrollments based on data from the AHIP Center for Policy and Research. If you live in Massachusetts, Minnesota or Wisconsin, Medicare Supplement policies are standardized in a different way to other states
4. Independent research conducted by the Better Medicare Alliance identified that beneficiaries on Original Medicare report higher out of-pocket spending than those on Medicare Advantage (almost $1,598 higher on average)
5. Ranges based on Medicare Supplement price indexes managed by the American Association for Medicare Supplement Insurance on Medicare Supplement pricing across the country
6. In many cases, you’ll need to only use doctors and other providers who are in the plan’s network (for non-emergency care). Some plans offer non-emergency coverage out of network, but typically at a higher cost.
7. All Medicare Advantage plans have a Maximum Out of Pocket Limit (MOOP). You continue to pay copays and coinsurances during a calendar year until you hit the MOOP. In 2025, the MOOP limit for all Medicare Advantage plans for in-networks services is $8,000.
8. Based on research by the Kaiser Family Foundation which found that 66% of Medicare Advantage plans have no premium
9. Based on research by the Kaiser Family Foundation which found that 89% of Medicare Advantage plans include Part D prescription drug coverage and 97% include dental, 99% include vision and 97% include hearing benefits