MEDICARE PLANS

Navigate Medicare with Confidence

Compare Medicare Supplement, Medicare Advantage, and Part D plans. Our licensed specialists explain your options in plain language and help you choose the right plan.

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MEDICARE OPTIONS

Understanding Your Medicare Choices

Medicare can be confusing, but our specialists break it down so you can make the most informed decision for your health and budget.

Which Medicare Plan Is Right for You?

Original Medicare (Parts A & B) covers hospital and medical expenses, but it doesn't cover everything. Supplemental coverage helps fill the gaps.

Medicare Supplement (Medigap)

Fills the cost-sharing gaps in Original Medicare, covering copays, coinsurance, and deductibles.

Medicare Advantage (Part C)

An all-in-one alternative to Original Medicare, offered by private insurers. Often includes drug coverage and extra benefits.

Prescription Drug Coverage (Part D)

Standalone drug plans that pair with Original Medicare or some Medigap plans to cover your prescriptions.

Annual Plan Review

Plans change every year. We help you review your current plan during Open Enrollment to make sure you still have the best coverage.

FAQS

Medicare Questions? We've Got Answers

When should I enroll in Medicare?

You can first enroll in Medicare during your Initial Enrollment Period, which starts 3 months before you turn 65 and ends 3 months after. Enrolling on time helps you avoid late enrollment penalties. Annual Open Enrollment runs October 15 – December 7 each year.

What's the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering your out-of-pocket costs, and you can see any Medicare-accepting doctor nationwide. Medicare Advantage replaces Original Medicare with an all-in-one private plan that often has lower premiums but uses a provider network. The best choice depends on your health needs and budget.

Do I need a Part D drug plan if I don't take many medications?

It's generally recommended to enroll in a Part D plan when you first become eligible, even if you take few medications. Waiting can result in a late enrollment penalty. A low-premium plan keeps you covered if your medication needs change.

Can I switch Medicare plans during Open Enrollment?

Yes. During Annual Open Enrollment (October 15 – December 7), you can switch from Original Medicare to Medicare Advantage or vice versa, change your Advantage plan, or join, switch, or drop a Part D plan. Changes take effect January 1.