Understand your Medicare options in plain English.
Three main plan types. Big differences. We'll walk you through them in a free conversation — no jargon, no pressure.
Option 1
Medicare Advantage (Part C)
All-in-one coverage
Bundles hospital (Part A), medical (Part B), and usually prescription (Part D) into one plan. Most include extras like dental, vision, hearing, and fitness benefits.
- Often $0 monthly premium
- Extra benefits (dental, vision, hearing)
- Network-based care
- Annual out-of-pocket maximum
Option 2
Medicare Supplement (Medigap)
Fills the gaps in Original Medicare
Works alongside Original Medicare to pay your deductibles, copays, and coinsurance. Choose any doctor or hospital that accepts Medicare.
- Predictable monthly costs
- Any provider nationwide
- No referrals needed
- Guaranteed renewable
Option 3
Part D Prescription Drug
Standalone drug coverage
Covers your prescription medications. We compare plans against your exact drug list to find the lowest total cost.
- Match to your medications
- Compare pharmacy pricing
- Annual review during AEP
- Avoid the late-enrollment penalty
When can I enroll or change plans?
Initial Enrollment Period (IEP)
Your first chance to enroll in Medicare.
Annual Election Period (AEP)
Switch, drop, or join Medicare Advantage or Part D plans. Changes take effect January 1.
Medicare Advantage OEP
If you're in a Medicare Advantage plan, you can switch once or return to Original Medicare.
Special Enrollment Periods
Moving, losing coverage, or qualifying for Extra Help can open a special window.
Medicare FAQs
How much does your help cost?+
Nothing. Truly. Insurance carriers pay us the same commission whether you enroll through us or directly — but we shop on your behalf and stay with you year after year.
Are you tied to one insurance company?+
No. We're an independent agency representing 30+ top-rated carriers. That means unbiased recommendations based on what fits you best.
What if my doctor isn't in the network?+
We check before you enroll. Doctor access is one of the first things we verify in every plan comparison.
Will my prescriptions be covered?+
We run your exact medication list against each plan's formulary and pharmacy pricing so you see the true total cost — not just the premium.
Do you help after I enroll?+
Yes. We're year-round support. Questions about claims, doctor visits, or coverage? Call us anytime.
Still not sure which plan fits?
That's exactly what we're here for. Free, no-pressure, in plain English.
Schedule Free Consultation