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Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. They bundle Part A, Part B, and usually Part D into a single plan — and often include extra benefits like dental, vision, hearing, and fitness programs.
Many Los Angeles-area residents choose Medicare Advantage for the convenience of one plan, predictable costs, and added benefits that Original Medicare doesn't cover.
Who it's best for: People who want an all-in-one plan, are comfortable using a network of providers, and want extra benefits beyond basic Medicare.
Compare Advantage PlansMedigap plans fill in the "gaps" that Original Medicare leaves — deductibles, copayments, and coinsurance that would otherwise come out of your pocket.
With a Medigap plan, you keep Original Medicare and your Medigap plan pays after Medicare pays its share. The result is predictable, low out-of-pocket costs and the freedom to see any doctor nationwide who accepts Medicare.
Who it's best for: People who see specialists regularly, travel frequently, or want the peace of mind of knowing exactly what they'll pay each month.
Compare Medigap PlansMedicare Part D covers prescription drugs and is available as a standalone plan (if you're on Original Medicare or Medigap) or built into a Medicare Advantage plan.
Part D plans vary significantly in what drugs they cover and what they charge. The plan that's cheapest at first glance may not be cheapest once you factor in your specific medications. I use your exact prescription list to find the plan with the lowest total annual cost.
Important for 2026: The Medicare prescription drug out-of-pocket cap is now $2,100 per year — a major improvement for people on expensive medications.
Find the Right Part D PlanSpecial Needs Plans are a type of Medicare Advantage plan designed for people with specific chronic conditions (C-SNP), limited income (D-SNP), or those in certain care facilities (I-SNP).
If you have conditions like diabetes, heart failure, COPD, or chronic kidney disease — or if you qualify for both Medicare and Medicaid (dual eligible) — a Special Needs Plan could give you better, more tailored coverage than a standard Medicare Advantage plan.
Find Out If You QualifyMissing an enrollment window can mean penalties or gaps in coverage. Here's what you need to know.