Keep your doctors. Understand every option. A licensed agent walks you through it at no cost.
Which best describes you?
Pick the one that fits and a licensed agent guides your next step. No cost, no pressure, no spam calls.
Original Medicare has two parts: Part A covers hospital stays and Part B covers doctors and outpatient care. From there you add coverage, either a Part C Medicare Advantage plan that bundles everything, or a Part D drug plan plus a Medigap supplement. Which route is cheaper depends on your doctors, your prescriptions and your budget.
Know these four letters and the rest of Medicare gets a lot simpler.
Inpatient hospital stays, skilled nursing, hospice and some home health care. Most people pay no premium for Part A.
Doctor visits, outpatient care, preventive services and durable medical equipment. Part B has a monthly premium.
A private all-in-one plan that bundles Part A, Part B and usually Part D, often with dental and vision, for a low or zero premium.
Prescription drug coverage, either built into an Advantage plan or bought as a standalone plan to pair with Original Medicare.
Every situation is different. A licensed agent helps you weigh the tradeoffs without the sales pitch.
All-in-one Part C plans that often include dental, vision, hearing and a drug plan, frequently for a zero-dollar monthly premium. Uses a network.
A Medigap plan such as Plan G pairs with Original Medicare, lets you see any provider that accepts Medicare nationwide and pays most of the gaps.
Standalone prescription coverage matched to the exact medications you take, to keep your pharmacy costs down alongside a Supplement.
A simplified comparison to show how the two approaches differ.
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Typical monthly premium | Often $0 | Low to moderate |
| See any Medicare doctor | Network based | Yes, nationwide |
| Dental, vision, hearing | Usually included | Not included |
| Prescription drug coverage | Usually built in | Add a Part D plan |
| Predictable out-of-pocket | Yearly maximum | Very few bills |
Miss a window and you can face gaps or lifelong penalties. Here are the ones to know.
A 7-month window: the 3 months before your 65th birthday month, that month, and the 3 months after.
Anyone can join, switch or drop an Advantage or Part D plan. Changes start January 1.
Already in an Advantage plan? Switch to another Advantage plan or back to Original Medicare once.
Starts when you are 65 and enrolled in Part B. Guaranteed acceptance on any Supplement, no health questions.
No cost, no obligation, and never any pressure to switch.
Share your doctors, medications and budget. It takes a couple of minutes on the phone or online.
A licensed agent shows you the plans in your ZIP that fit, side by side, with the true costs spelled out.
Pick the plan you like and we handle the paperwork. We are here all year if anything changes.
Sample testimonials shown for template design purposes.
"I kept my cardiologist and my premium dropped to zero. I did not know that was even possible until they walked me through it."
"They checked all my prescriptions against each drug plan and found one that saved me almost 800 dollars a year. No pressure at all."
"Turning 65 was overwhelming until I called. The agent was patient and explained everything in words I actually understood."
Medicare Advantage (Part C) is an all-in-one plan from a private insurer that replaces Original Medicare and often adds drug, dental and vision coverage. A Medicare Supplement (Medigap) works alongside Original Medicare and pays the deductibles and coinsurance it leaves behind. Advantage uses networks, while Supplement lets you see any doctor that accepts Medicare.
No. Working with a licensed agent is free to you. Agents are paid by the insurance carriers, so there is no fee and no obligation to enroll.
It depends on the plan. Medicare Supplement plans let you see any provider that accepts Medicare nationwide. Medicare Advantage plans use networks, so an agent will confirm your doctors are in network before you enroll.
Your Initial Enrollment Period is the 7 months around your 65th birthday. After that, most people can join or change an Advantage or Part D plan during Annual Enrollment from October 15 to December 7. Advantage members get another switch window from January 1 to March 31, and Medigap has its own 6-month guaranteed-acceptance window when you first have Part B.
An agent can compare your exact medication list against each plan's drug formulary to find the option with the lowest total pharmacy cost for you.
See the Medicare plans available where you live, side by side, with one licensed agent who works for you.