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Medicare Advantage plans (also known as MA or MAPD when they include drug coverage) are all-in-one alternatives to Original Medicare offered by private insurers. These plans often include extra benefits like dental, vision, hearing, gym memberships, and prescription drug coverage - all for a low or $0 premium. 

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👉 Great for those who want bundled coverage with additional perks.

Medigap plans help cover the out-of-pocket costs that Original Medicare doesn't pay - like deductibles, copays, and coinsurance. You can see any doctor nationwide who accepts Medicare, making it a popular choice for frequent travelers or those who prefer predictable costs. 

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👉 Ideal for those who want flexibility and minimal out-of-pocket surprises.

Affordable Care Act (ACA) plans are health insurance policies available through the Marketplace for those under 65. Based on your income, you may qualify for significant subsidies to reduce your monthly premium. These plans cover essential health benefits, preventative care, and prescription drugs. 

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👉 Great for individuals, families, and self-employed folks needing quality coverage.

PDPs help cover the cost of prescription medications and are typically paired with Original Medicare or Medigap plans. Each plan has its own formulary (drug list), so choosing the right one ensures you save money and avoid coverage gaps. 

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👉 Essential if you're on Original Medicare and need prescription coverage.