Find the Right Medicare Plan for You – Local, Trusted Help.
We help you compare Medicare Advantage, Supplements, and Prescription Drug Plans in minutes.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
🟩 What Is Medicare?
Medicare is a federally funded health insurance program primarily for people age 65 and older. It also covers certain younger individuals with qualifying disabilities or End-Stage Renal Disease (ESRD). The program is divided into four main parts, each covering specific types of healthcare services.
✅ Who Qualifies for Medicare?
Adults 65 years or older
Automatically enrolled in Part A and Part B if receiving Social Security.
People under 65 with certain disabilities
Eligible after receiving Social Security Disability benefits for 24 months.
Individuals with End-Stage Renal Disease (ESRD)
Eligible at any age with permanent kidney failure requiring dialysis or transplant.
📘 The 4 Parts of Medicare
Part A – Hospital Insurance
What it covers:
Inpatient hospital care
Skilled nursing facility care (short-term)
Hospice care
Limited home health care
Cost:
Usually free if you or your spouse paid Medicare taxes for at least 10 years.
If not, premiums can apply.
Part B – Medical Insurance
What it covers:
Doctor visits and outpatient care
Preventive services (like screenings and vaccines)
Lab tests, durable medical equipment
Mental health services
Cost:
Monthly premium required (standard amount in 2025 is ~$174.70, varies by income)
Typically 80/20 cost-sharing: Medicare pays 80%, you pay 20% (after deductible)
Part C – Medicare Advantage
What it is:
Private insurance plans approved by Medicare that bundle Part A, Part B, and usually Part D (drugs)
Often includes extra benefits like vision, dental, hearing, fitness, and over-the-counter allowances
Important Notes:
Must continue to pay your Part B premium
Plans may have low or $0 monthly premiums, but copays, coinsurance, and out-of-pocket limits apply
Network restrictions: You often need to see doctors within the plan’s network
Part D – Prescription Drug Coverage
What it covers:
Helps cover the cost of prescription medications
Offered by private insurers approved by Medicare
Coverage tiers vary, affecting copays for generics vs. brand-name drugs
Penalty alert:
If you delay enrollment and don’t have creditable drug coverage, a lifetime penalty may be added to your premium
Bonus: Medicare Supplement Insurance (Medigap)
Medigap policies help pay for some of the costs that Original Medicare (Part A and B) doesn’t cover, such as:
Deductibles
Copayments
Coinsurance
These are stand-alone policies sold by private insurance companies.
You must be enrolled in Original Medicare (Parts A & B) to purchase Medigap — not compatible with Medicare Advantage.
Pro Tip for Clients:
“If you want maximum freedom to choose your doctors, a Medicare Supplement may be ideal. If you prefer a bundled, all-in-one option with low premiums, a Medicare Advantage Plan may suit your needs — especially if you’re healthy and don’t travel often.”
