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Part D is Medicare drug coverage: help paying for the prescription drugs you need, from private insurance companies approved by Medicare. It's optional. In 2027, what you pay out of pocket for your covered drugs is capped at $2,400.
Medicare comes in parts. Part A covers hospital care. Part B covers doctors and outpatient care. Part D covers prescription drugs. Part C (Medicare Advantage) is a private plan that bundles them together.
Medigap (Medicare Supplement Insurance) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare, like copayments, coinsurance, and deductibles. You can only buy Medigap if you have Original Medicare. The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period.
They're for two different paths. Medigap only helps pay your costs under Original Medicare, so it can't be used with a Medicare Advantage plan. In most cases, a company can't sell you Medigap while you're in Medicare Advantage.
Original Medicare includes Part A and Part B, and you can use any doctor or hospital that takes Medicare. A Medicare Advantage Plan is another way to get that coverage, through a Medicare-approved plan offered by a private company. In many cases, you'll need to use health care providers who participate in the plan's network. These plans set a limit on what you'll pay out of pocket each year.
General education, not individualized advice. For your own situation, you can call 1-800-MEDICARE or your State Health Insurance Assistance Program (SHIP).
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