How To Pick A Medicare Plan? 
Work with an independent Medicare insurance broker who can work with you on a personal level to help you determine which structure is best for your specific needs -LRB- MA or MAPD vs. Original Medicare + Medigap or Medigap and Part D -RRB- . Depending on cost tolerance , I generally suggest to my clients securing a Medicare supplement -LRB- Medigap -RRB- plan and a standalone Part D prescription drug plan to go with your Original Medicare coverage -LRB- Part A & Part B -RRB- . The advantage of this course of action is that it creates a very predictable healthcare expense structure instead of taking on the risk of receiving a massive bill for a hospital visit , procedure , examination , etc. . I hope the information is helpful - please feel free to contact me for assistance with your Medicare program and if you have any other questions . Thanks very much . 