Original Medicare (Part A and Part B) typically covers a large share of your hospital and medical costs, but it usually leaves deductibles, coinsurance and copays for you. Most people add coverage — either a Medicare Advantage plan or a Medicare Supplement (Medigap) policy plus drug coverage — to help with what's left. Amounts change each year, so it's worth reviewing what applies to you.

Neither one is better in general — they're different structures that suit different situations. Advantage plans typically bundle coverage through a network with copays as you use care. Supplement policies work alongside Original Medicare and may leave you with a wider choice of providers, usually for a monthly premium. What fits depends on your doctors, your prescriptions, your travel and your budget.

There are set enrollment windows, including when you first become eligible and during the annual fall enrollment period. Certain life events, such as moving or losing other coverage, may also open a window. Rules vary by situation, so it's worth confirming which windows apply to you before you plan a change.

Medicare help from the licensed agents on our team is offered at no cost to you — they're paid by the insurance carrier, not by you.