Medicare
Medicare has more moving parts than most people expect. We break it down in plain English and help you choose a plan that actually fits your doctors, your prescriptions, and your budget — at no cost to you.
The Basics
| Part | What it covers |
|---|---|
| Part A | Hospital insurance — inpatient stays, skilled nursing, hospice |
| Part B | Medical insurance — doctor visits, outpatient care, preventive services |
| Part C | Medicare Advantage — an all-in-one alternative to Parts A & B, sold by private insurers, often including Part D and extras like dental or vision |
| Part D | Prescription drug coverage, sold separately or bundled into an Advantage plan |
| Medigap | Supplemental coverage that helps pay the out-of-pocket costs Original Medicare leaves behind |
Medicare Advantage
Medicare Advantage (Part C) plans are offered by private carriers approved by Medicare. They wrap your Part A and Part B benefits into one plan — frequently with prescription drug coverage, and sometimes dental, vision, or hearing benefits, often for a low or $0 monthly premium.
Medicare Supplement
Medigap plans work alongside Original Medicare to cover copays, coinsurance, and deductibles. They typically cost more per month than Advantage plans but offer broader access to doctors and specialists nationwide, with fewer network restrictions.
Timing Matters
A 7-month window around your 65th birthday — 3 months before, your birthday month, and 3 months after. Enrolling on time helps you avoid late penalties.
October 15 – December 7 each year. Review your current plan and switch if your needs, doctors, or medications have changed.
Triggered by qualifying life events — like losing employer coverage or moving — that let you enroll or change plans outside the usual windows.
Why Work With Us
We're certified to help you compare plans from the carriers active in your area — reviewing your current doctors, prescriptions, and budget so you're not just picking the plan with the flashiest commercial. And because we're independent, we're not steering you toward one company's product; we're looking at what actually fits.
Schedule a Medicare ReviewCall us or send a note — we'll walk you through your options at your pace.
