Medicare5 min read
Medicare Advantage plans bundle your hospital, medical and often prescription coverage into a single private plan. Many include extras, and premiums can be low, but care is usually organized around a provider network and requires attention to referrals and prior authorizations.
Medicare Supplement, or Medigap, works alongside Original Medicare and helps cover out-of-pocket costs such as coinsurance and deductibles. Premiums are typically higher, but you generally keep access to any provider that accepts Medicare, which matters if you travel or see specialists outside the area.
The right answer depends on your doctors, your prescriptions, how often you travel and how predictable you need your yearly costs to be. Bring your medication list and your provider list to your consultation, and we will compare the options that are actually available to you in New Mexico.
