Original Medicare is the government-run health insurance program for people 65 and older. Understanding what it covers — and what it doesn't — is the first step to building the right plan.
Get a Free Medicare ReviewOriginal Medicare has two parts. Most people get both.
The biggest risk with Original Medicare alone is the 20% coinsurance with no cap. A serious illness or hospital stay can mean thousands in unexpected bills. Here's how to close those gaps.
Covers most or all of the 20% coinsurance, deductibles, and copays that Original Medicare leaves behind. See any Medicare-accepting doctor in the U.S. — no networks.
Learn about Medigap →Original Medicare doesn't cover prescriptions. A standalone Part D plan ensures your medications are covered. Avoid late-enrollment penalties by enrolling when first eligible.
Learn about Part D →An alternative to Original Medicare + Medigap. Bundles hospital, medical, drug, and often dental/vision into one plan. Usually has lower premiums but requires using a network.
Learn about Medicare Advantage →I'll compare Original Medicare + Medigap vs. Medicare Advantage side-by-side for your specific doctors, medications, and budget. Free, no pressure, bilingual.
Choose a time that works for you — phone, video, or in-person. No obligation, just clear guidance.