MEDICARE
Hundreds of plans. You only need one.
From Medigap to Medicare Advantage, we compare top-rated carriers to find the plan that fits your doctors, your prescriptions, and your budget.
YOUR TWO ROADS
Two ways to do this. Neither one is "the right answer."
Medicare Supplement
MEDIGAP + A SEPARATE PART D PLAN
Freedom
Use any doctor or hospital in the USA that accepts Medicare. No referrals needed.
Predictability
The lowest out-of-pocket costs when you receive care. No surprises.
Access
See a specialist without needing a gatekeeper.
Medicare Advantage
PART C, THROUGH A PRIVATE CARRIER
All-in-one
Combines your medical and drug coverage into a single card.
Extras
Often includes benefits like dental, vision, hearing, and gym membership.
Value
Many plans feature a $0 or very low monthly premium.
Which road is right depends on your doctors, your prescriptions, and your zip code. That's a conversation
— not a chat.
THE BUILDING BLOCKS
What Medicare covers on its own.
PART A
Hospital
Inpatient hospital stays and skilled nursing. Most people pay no premium if they or a spouse worked at least 10 years.
PART B
Medical
Doctor visits, outpatient care, lab work, and durable medical equipment. This monthly premium is set by the government and usually deducted from your Social Security — otherwise Medicare bills you quarterly.
PART C
Medicare Advantage
A private alternative that delivers your Part A and Part B benefits through one plan, usually with drug coverage and extras bundled in.
PART D
Prescriptions
Drug coverage sold by private carriers. Enrolling when first eligible prevents a lifetime late-enrollment penalty. Because plan pricing and covered drug lists change every year, we review your medications annually to ensure you're always in the lowest-cost option.
TIMING
The windows that matter
Turning 65
Your Initial Enrollment Period (IEP) runs from three months before your birthday month through three months after.
Working past 65
If you have creditable coverage through an employer with 20+ employees, you might be able to delay Part B. We can help you compare your work plan vs. Medicare to see which is more cost-effective.
Already enrolled
Between October 15 and December 7 you can change plans for any reason. Most people never check — and some are overpaying by four figures a year.
LET'S TALK
No pressure and no fees ever.
No pressure, no fees, and no quota on the other side of the table.
We explain your options. You decide what fits on your timeline,
not ours.
We explain your options. You decide what fits on your timeline, not ours.
We explain your options. You decide what fits on your timeline, not ours.