Medicare made simple—so you can choose with confidence
Licensed, bilingual agents explain your options, compare plans from multiple carriers, and help you enroll at no cost.
Licensed agents • No-cost consultation • English & Spanish
¿What is Medicare?
Medicare is federal health insurance for people 65+ and certain individuals with disabilities or specific conditions. It’s organized into parts:
Medicare Part A (Hospital)
Coverage for inpatient hospital stays and short-term skilled nursing after a qualifying stay. Includes limited home health services and hospice for end-of-life care. Designed to help with room, board, and medically necessary inpatient services. Works together with other parts of Medicare depending on your path
Cost: Many beneficiaries pay $0 premium with enough work credits; deductible and coinsurance per benefit period apply (amounts set annually).
Medicare Part B (Medical)
Helps cover doctor visits, outpatient care, labs, imaging, and preventive services. Includes durable medical equipment and some home health services. Typically pairs with Part A as “Original Medicare.” You can add Part D and/or Medigap for fuller protection.
Cost: Monthly premium set annually (income adjustments may apply) + annual deductible; generally 20% coinsurance for most services after the deductible.
Medicare Part C
(Medicare Advantage)
All-in-one private plans that provide Part A and Part B benefits through a network. Many plans bundle drug coverage and may offer extras like dental, vision, hearing, OTC, transportation, and fitness. You keep Medicare rights while receiving care through the plan’s rules. Availability and benefits vary by ZIP code and carrier.
Cost: Monthly premium varies by plan and county (many are $0 premium); copays/coinsurance and a yearly maximum out-of-pocket (MOOP) apply.
Medicare Part D
(Prescription Drugs)
Covers outpatient prescription medications through stand-alone drug plans or Advantage plans that include drug coverage. Plans differ in formularies, tiers, and preferred pharmacies. We check your meds to estimate total annual costs and fit. Enrolling when first eligible helps you avoid penalties.
Cost: Monthly premium varies by plan; may include a deductible and copays/coinsurance based on drug tier; late-enrollment penalty can apply if you delay.
Medigap (Medicare Supplement)
Private policies that work with Original Medicare to help pay deductibles, copays, and coinsurance. Standardized plan letters (like G or N) offer predictable costs and broad provider choice. You can see any doctor who accepts Medicare without network referrals. Pair with a separate Part D plan for prescriptions.
Cost: Monthly premium varies by plan letter, age/rating method, and state; you still pay the Part B premium; prescription drugs not included in Medigap.
How we help
Schedule
Pick a convenient time for a quick call or video meeting. We’ll connect when it works best for you.
Understand your needs
Doctors, medications, budget, preferences. No medical history required.
Compare
See side-by-side plan options from trusted carriers in your ZIP code with clear, unbiased guidance.
Enroll with support
We guide your enrollment and remain available year-round.
Common benefits we review
Popular paths
- Medicare Advantage (Part C): One ID card, network-based, often includes extras.
- Medigap + Part D: Broad provider choice with predictable costs; Part D covers prescriptions.
- Original Medicare (A & B): The foundation; we help you understand gaps and add coverage if needed.
- Turning 65: Timelines, enrollment windows, and a simple checklist.
- Dual Special Needs (D-SNP): For those who qualify for both Medicare and Medicaid.
FAQs
Advantage (Part C) replaces Original Medicare with an all-in-one private plan (often with extras). Medigap works with Original Medicare to help pay out-of-pocket costs.
Yes—during standard enrollment periods or if you qualify for a Special Enrollment Period.
No. If you enroll in a plan, we may be compensated by the plan—there’s no additional cost to you.
Not necessarily. We compare multiple options. For a full list of plans, visit Medicare.gov, call 1-800-MEDICARE, or contact your local SHIP.
We check your preferred doctors and pharmacies and show options that best match your needs.
Yes. Our team provides guidance in English and Spanish.
Ready to compare your Medicare options?
Speak with a licensed agent today. We’ll explain your choices, compare plans side-by-side, and help you enroll—at no cost.