Medicare Plans – Made Simple, Done Smart
Straightforward, easy‑to‑follow guidance on Medicare Part A & B, Advantage, Part D, and Medigap—matched to your doctors, prescriptions, travel, and budget. We compare local carriers, break down total costs, and guide enrollment step‑by‑step, all at no charge.
Medicare Overview: Parts A, B, C, D & Medigap
Part A: Hospital Insurance
Includes inpatient hospital care, skilled nursing facilities, hospice, and limited home health services. Most beneficiaries owe no premium if they have sufficient payroll credits.
Part B: Medical Insurance
Provides coverage for doctors’ visits, outpatient care, preventive services, lab work, and durable equipment. Monthly premium required, based on income level.
Part C: Medicare Advantage
Comprehensive private plans combining Parts A & B, often Part D, plus added benefits like vision, dental, and OTC. Networks and copays differ by plan.
Part D: Prescription Drug Coverage
Covers prescription medications. Each plan has its own formulary and pharmacy network; premiums and copays differ.
Medigap: Medicare Supplement Insurance
Supplemental plans that reduce Part A & B costs including deductibles and coinsurance. Freedom to see any provider who takes Medicare.
Key Eligibility & Enrollment Timelines
Initial Enrollment Period (IEP)
A 7‑month enrollment period tied to your 65th birthday (3 months before, the month of, and 3 after). Sign up for Parts A & B, plus either Part D or a Medicare Advantage plan.
Annual Enrollment Period (AEP)
Oct 15 through Dec 7. Time to reassess coverage and change Medicare Advantage or Part D plans for next year.
Medicare Advantage Open Enrollment (MA OEP)
Jan 1 through Mar 31. Current Medicare Advantage members can change to a different Advantage plan or move back to Original Medicare with Part D.
Special Enrollment Periods (SEPs)
Applies after qualifying life events (like losing employer coverage or moving). We’ll verify eligibility and guide you on timing.
Frequently Asked Questions
Is Medicare Advantage or Medigap better for me?
It depends on your doctors, medications, travel, and budget. Advantage plans often have lower premiums with networks and copays. Medigap has higher premiums but minimal out‑of‑pocket costs and broad provider access. We’ll model the total cost for your situation.
Will I pay a penalty if I delay Part B or Part D?
Possibly. If you delay without qualifying employer coverage, permanent penalties can apply. Talk with us first—we’ll review your employment coverage and timing.
Can I keep my doctor?
With Original Medicare + Medigap, you can see any provider who accepts Medicare. With Advantage, you’ll want to confirm your doctor and facilities are in‑network. We’ll check for you.
Important disclosures
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Not connected with or endorsed by the U.S. Government or the federal Medicare program. Plan availability, benefits, premiums, and cost sharing vary by carrier and location.