The other option, which is the default Medicare option, is known as Original Medicare. Original Medicare is coverage managed by the federal government. You can add drug coverage by joining a Medicare drug plan (Part D). Many Medicare supplement options are available from private companies to help pay deductibles and coinsurance if you choose to stay on original Medicare. Medicare supplement plans offer more fixed costs and typically allow you to use any Medicare provider. However, keep in mind that there is no annual enrollment period to change plans like Medicare Advantage, so you need to look for stability in your insurance carrier.