As Medicare Open Enrollment approaches in October 2025, I’m often asked, “What would YOU choose?”

Here’s a quick guide to help you understand your options—and what I personally recommend.

Start with Medicare Parts A & B

• Part A (hospital coverage) is free if you worked 10 years.
• Part B (doctor visits, outpatient care) is expected to cost around $185/month in 2025.

Together, they cover 80% of your medical costs—but you’ll need something to cover the remaining 20%.

Options to Cover the Gap

Option 1: Medicare Advantage

• Usually $0 premium
• Includes drug, dental, vision, hearing
• Must stay in-network
• Pay co-pays for services

Option 2: Medicare Supplement (Plan G)

• Premium: $140–$250/month
• One-time deductible: up to $255
• 100% coverage after that
• No network restrictions
• Add-on plans needed for drug, dental, and vision

My Recommendation

I’d choose Part A, Part B, and a Medicare Supplement Plan (Plan G).
Why? Because I want the freedom to choose my doctors, hospitals, and care—without network limits.

Have questions? Click here to send me an email to start the conversation