Medicare Advantage plans bundle Parts A, B, and usually D into a single plan offered by a private insurer. Plans in Sumter County often include dental, vision, and hearing benefits. Most use HMO or PPO networks, so provider access varies by plan.

Medicare Supplement plans work alongside Original Medicare to cover cost-sharing gaps like deductibles and coinsurance. They are accepted by any provider who accepts Medicare nationwide — no network restrictions.

Part D plans cover prescription drugs. They are available as standalone plans (with Original Medicare + Medigap) or bundled into Medicare Advantage plans. Drug formularies and costs vary significantly between plans.