Explore Your Medicare Options & Find the Perfect Fit for Your Needs.

Confused by Medicare Advantage & Supplements? We break it down & help you choose with confidence.

Medicare Supplement insurance, also known as Medigap, is an optional health insurance plan that works alongside Original Medicare (Parts A & B) to help you pay for some of the out-of-pocket costs that Medicare doesn't cover entirely.pen_spark

Fills the Gaps: Original Medicare covers a large portion of your medical expenses, but there are still deductibles, copayments, and coinsurance that you're responsible for. Medigap plans help bridge this gap by covering some or all of these out-of-pocket costs.

Standardized Plans: Medigap plans are standardized by the federal government, meaning each plan with the same letter designation offers the same basic benefits nationwide (with some exceptions for standardized plans sold before June 2010). This allows for easier comparison shopping.

Variety of Plans: There are 10 different standardized Medigap plans (Plans A, B, C, D, F, G, K, L, M, and N) each offering different levels of coverage and benefits. Choosing the right plan depends on your individual needs and budget.

Premiums: Medigap plans have monthly premiums you'll pay in addition to your Part B Medicare premium. These premiums can vary depending on your age, location, health status, and the specific plan you choose.

Medicare Advantage (MA), also known as Part C of Medicare, is a type of health insurance plan offered by private companies that are approved and overseen by Medicare. 

Alternative to "Original Medicare": Instead of traditional Medicare (Parts A & B), Medicare Advantage plans bundle hospital insurance (Part A) and medical insurance (Part B) coverage into a single plan. Many MA plans also include Part D prescription drug coverage.

Networks of Providers: Most Medicare Advantage plans have networks of doctors, hospitals, and other healthcare providers that you must use to receive covered services (except for emergencies).

Premiums, Deductibles, and Copayments: Medicare Advantage plans typically have monthly premiums, deductibles (amount you pay before the plan starts covering costs), and copayments (fixed amount you pay for certain covered services).

Benefits May Vary: Medicare Advantage plans can offer additional benefits not covered by Original Medicare, like vision, dental, hearing, or gym memberships. Plans can vary significantly, so comparing options is important.

Medicare prescription drug plans, also known as Part D, are optional insurance plans that help cover the cost of your prescription medications. Here's a breakdown of the key points:

Standalone Coverage: Part D plans are separate from Original Medicare (Parts A & B) and Medicare Advantage plans. You can enroll in a Part D plan even if you have Original Medicare or a Medicare Advantage plan that doesn't include prescription drug coverage.

Coverage Levels and Costs: Part D plans have different coverage tiers, often referred to as formularies. These formularies categorize medications into different tiers based on cost. You typically pay lower copayments for generic drugs in lower tiers, while brand-name drugs in higher tiers may have higher copayments or require you to pay a deductible before coverage kicks in. Premiums for Part D plans also vary depending on the plan you choose and your location.

Enrollment Period: There's a specific enrollment period for Part D plans. The Initial Enrollment Period (IEP) is typically 3 months before your 65th birthday month, the month you turn 65, and the 3 months following your 65th birthday. Enrolling outside this window may result in a penalty.

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