About this coverage
Medicare plans in plain language
Medicare is health coverage mainly for people age 65 or older, and for some people with disabilities. Original Medicare has Parts A and B, but many people also consider prescription drug coverage, Medicare Advantage, or Medicare Supplement plans because Original Medicare does not cover everything.
We help you compare how plans work with your doctors, prescriptions, budget, travel, and preferred hospitals. Medicare rules and enrollment windows can be confusing, so we slow it down and explain the options step by step.
Plan types we help with
Medicare Supplement (Medigap)
Standardized plans that pay the gaps Original Medicare doesn't — deductibles, copays, coinsurance. Use any Medicare-accepting provider.
Medicare Advantage (Part C)
All-in-one alternative to Original Medicare, often with $0 premium and extra benefits. Network and prior-authorization rules apply.
Prescription Drug Plans (Part D)
Standalone drug coverage that pairs with Original Medicare or Medigap. We compare formularies against your specific medications.
Special Needs Plans (D-SNP, C-SNP, I-SNP)
Medicare Advantage plans designed for people with specific conditions or dual Medicare/Medicaid eligibility.
Extra Help and Low-Income Subsidies
If you qualify based on income, federal programs can dramatically reduce drug costs. We'll check eligibility with you.
Common Medicare mistakes
Waiting too long to review options
Missing certain enrollment windows can lead to penalties, delayed coverage, or fewer choices.
Choosing a plan before checking prescriptions
Drug formularies and pharmacy costs can change every year.
Assuming every doctor takes every plan
Networks matter, especially with Medicare Advantage plans.
Comparing plans only by premium
Copays, deductibles, out-of-pocket maximums, networks, and drug costs can matter more than the monthly premium.
What to prepare for a Medicare review
A Medicare appointment is smoother when these details are ready.
- Medicare card with Part A and Part B effective dates
- List of prescriptions, dosage, and preferred pharmacy
- Doctors, clinics, hospitals, and specialists you want to keep
- Current Medicare Advantage, Supplement, or Part D plan information
- Medicaid, Extra Help, VA, or employer coverage details if applicable
- Questions about dental, vision, hearing, travel, or chronic conditions
When to call us about Medicare
- You're approaching 65 (start 3 months before your birth month)
- You're leaving employer health coverage and need to enroll
- You received a notice from your current Medicare plan
- Your doctors or prescriptions changed
- It's Annual Enrollment Period (October 15 – December 7)
- You qualify for a Special Enrollment Period (move, loss of coverage, etc.)
Frequently asked questions
When do I enroll in Medicare?
Your Initial Enrollment Period is the 7-month window starting 3 months before your 65th birthday month. Missing this window can mean lifelong late-enrollment penalties for Part B and Part D. Call us early so you don't miss it.
Does Original Medicare cover everything?
No. Original Medicare (Parts A and B) leaves gaps — there's no annual out-of-pocket limit, prescription drugs aren't covered, and you pay 20% coinsurance on most services. Medigap or Medicare Advantage plans address these gaps.
Medicare Advantage versus Medigap — which is better?
Neither is universally better. Medicare Advantage often has lower premiums and extra benefits (dental, vision) but uses networks and prior authorization. Medigap costs more in premium but lets you see any Medicare-accepting provider with predictable costs. We'll match the choice to your situation.
What's Part D and do I need it?
Part D is prescription drug coverage. If you have creditable coverage from another source (such as an employer plan), you may not need it. Otherwise, enrolling on time avoids a permanent late-enrollment penalty even if you don't currently take medications.
Can I change my plan during the year?
Generally only during Annual Enrollment Period (October 15 – December 7) for the following year. Some changes are allowed during the Medicare Advantage Open Enrollment Period (January 1 – March 31) or with a Special Enrollment Period triggered by life events.
Do I have to choose between my current doctors and a Medicare plan?
Often the answer is no — but it depends on the plan. We pull your doctor list and check it against any plan we quote, before you enroll.
Review your Medicare options with help
Send us your Medicare questions and we will help compare plans around your doctors, prescriptions, budget, and timing.
This is a request for information and is not an application for, or a binder of, coverage.