The short answer
Start with Parts A and B. Then compare how you want to receive your benefits and cover prescriptions. You do not buy all four parts as four separate policies.
The letters, in plain language
Hospital insurance
Inpatient hospital care and certain skilled nursing, hospice and home health services.
Medical insurance
Doctor visits, outpatient care, preventive services and medical equipment.
Medicare Advantage
A private plan providing your A and B benefits, usually with drug coverage.
Prescription coverage
Coverage for prescription drugs through a private Medicare-approved plan.
Medigap is separate supplemental insurance for Original Medicare. It is not Part C or Part D.
Start with the care you need
Part A focuses on inpatient care. Part B focuses on medical and outpatient care. Coverage rules still apply; the name of a service alone does not establish whether Medicare will pay.
Then choose a coverage path
Original Medicare and Medicare Advantage are two ways to receive Medicare benefits. Part D is prescription drug coverage. Medigap helps with certain costs under Original Medicare; it is not another name for Medicare Advantage.
A question worth asking
Is Part C something I add to Original Medicare?
No. Medicare Advantage (Part C) is an alternative way to receive your Part A and Part B benefits. Most plans also include Part D.
Your next-step checklist
Use this for your own notes. Checkmarks are not sent to Finwell or saved when you leave.
Sources & review
Checked against the official sources below on September 11, 2026. General education, not an individual coverage or eligibility determination.
Parts of Medicare — Medicare.govCoverage and enrollment rules can change. Confirm the details for your situation with Medicare, Social Security, your state or the specific plan. Tell us if something needs clarification.
Keep learning
Two paths. Your priorities.
Compare Original Medicare with Medicare Advantage beyond the monthly premium.
Read the next guide →