Medicare, decoded — keep your doctors, cut the cost.
Advantage or Supplement? Part D or penalties? We compare every option available to you — checking your doctors and prescriptions first — and explain it like a neighbor, not a call center.
Medigap Plan G$112/mo
Plan Review · FreeEvery yearWhat are the parts of Medicare?
Part A covers hospital stays (premium-free for most). Part B covers doctors and outpatient care (standard monthly premium). Part C — Medicare Advantage — bundles A and B into a private plan, often with dental, vision, and drug coverage. Part D covers prescriptions. Medigap supplements A and B by paying the deductibles and coinsurance they leave behind.
How do I choose between the dozens of plans in my area?
Start with three personal facts, not plan brochures: which doctors you must keep, which prescriptions you take, and how much you travel. Those three answers eliminate most plans immediately. An independent agent then compares what's left on total annual cost — premium plus expected out-of-pocket — not premium alone.
| Medicare Advantage (Part C) | Medicare Supplement (Medigap) | |
|---|---|---|
| Monthly premium | Often $0 | Varies by plan and age |
| Doctor choice | Plan network (HMO/PPO) | Any doctor accepting Medicare |
| Out-of-pocket | Copays up to an annual max | Minimal after premiums |
| Drug coverage | Usually included | Add a separate Part D plan |
| Extras | Often dental, vision, hearing | Rarely |
| Best for | Budget-first, local care | Flexibility-first, frequent care or travel |
We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Doctors & drugs verified first
We check your providers and formulary before we ever talk plans. No surprises in January.
Annual re-shopping, automatic
Plans change every year. We review yours every AEP so it never quietly gets worse.
Penalty-proof timing
IEP, AEP, SEP — we track your windows so late-enrollment penalties never touch you.
Medicare questions we answer every day
What's the difference between Medicare Advantage and a Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare with a private plan — often $0 premium, usually with network restrictions and extras like dental. A Supplement (Medigap) works alongside Original Medicare, filling in deductibles and coinsurance, with freedom to see any doctor who accepts Medicare. Neither is 'better' — it depends on your doctors, prescriptions, travel, and budget.
When can I enroll or switch Medicare plans?
Your Initial Enrollment Period spans 7 months around your 65th birthday. After that, the Annual Enrollment Period (October 15 – December 7) lets you switch for the following year, and certain life events unlock Special Enrollment Periods. Missing windows can mean penalties — a quick call with us keeps you on schedule.
Does it cost anything to use a Medicare broker?
No. Our Medicare plan reviews and enrollment help are free. We're paid a standardized commission by the carrier you enroll with — the rate is set so brokers have no incentive to push one plan over another, and your premium is identical either way.
Can I keep my doctors?
That's the first thing we check. Before recommending anything, we verify your doctors, hospitals, and prescriptions against each plan's network and formulary — because the cheapest plan is worthless if it doesn't include your cardiologist.
I'm already on a plan. Should I still get a review?
Yes — plans change their premiums, networks, and drug formularies every single year. A 20-minute annual review catches those changes before they cost you. Most clients who switch after a review save hundreds per year.
We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Your Medicare review is free. Overpaying isn't.
Twenty minutes with an independent agent — doctors checked, plans compared, penalties avoided.