MEDICARE

Medicare Supplement
(Medigap)

Works alongside Original Medicare to cover the gaps (deductibles, coinsurance, copays). You keep Original Medicare, see any provider who accepts it nationwide, no networks — but you pay a monthly premium and need a separate Part D plan.

Higher premium, more flexibility and predictable costs.

Aetna
Aflac
Florida Blue
Globe Life
Health Spring
Humana
Liberty Bankers Insurance Group
Life Shield
Medico
Mutual of Omaha
Physicians Mutual
United Healthcare
AARP Medicare Supplement United Healthcare
Wellabe
Wellcare
WPS A Health Solutions Company

Medicare Advantage
(Part C)

Private plans that replace Original Medicare — usually bundle in Part D, often $0 premium, but use networks (HMO/PPO) and require referrals/prior auth for some services. Out-of-pocket costs vary by plan with an annual max.

Lower premium, more managed/network-based.

Aetna
Care Plus Health Plans
Devoted Health Plans
Florida Blue
Florida Health Care Plan
Freedom Health
Health First
Health Spring
Humana
Molina Healthcare
Optimum HealthCare
United Healthcare
Wellcare

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