Where do I start when comparing Medicare coverage paths?
The short answer
Start with the care you use: your doctors, hospitals, prescriptions, and where you need care. Then compare Original Medicare with Medicare Advantage against that same list, rather than choosing from the monthly premium alone.
Original Medicare generally lets you use providers who accept Medicare nationwide. Drug coverage is usually arranged separately through Part D, and you may consider supplemental coverage. Medicare Advantage plans often use provider networks, may require referrals or prior authorization, and most include drug coverage. Costs and rules differ by plan.
What you can check privately
Compare the total picture: premiums, what you pay when using care, drug coverage, and out-of-pocket limits. Original Medicare has no annual out-of-pocket limit without supplemental coverage; Advantage plans limit spending for covered Medicare services. Before changing anything, check enrollment rules, existing coverage, and whether you could obtain the supplement you want. This is a starting comparison, not a recommendation to switch.