From hospital coverage to prescription drugs — we break down every Medicare option and find the right combination for your situation. Expert guidance, always free.
Browse each plan type, then let us compare them side-by-side for your specific doctors, medications, and budget — at no cost.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and home health. Premium-free for most who worked 40+ quarters.
Covers outpatient care, doctor visits, preventive services, lab tests, and durable medical equipment. Standard $185/month premium for 2025–2026.
Bundles A, B, and usually D into one plan. Many plans have $0 premiums and include dental, vision, hearing, OTC allowances, and fitness.
Standalone prescription drug coverage. We review your medications and match you to the plan with the lowest total annual cost.
Fills gaps in Original Medicare — deductibles, coinsurance, copayments. See any Medicare-accepting provider nationwide with predictable costs.
Income-based coverage. Dual-eligible clients can access D-SNP plans combining Medicare and Medicaid into near-complete coverage at $0.
Key differences at a glance — then let us run the full comparison for your specific situation.
| Feature | Original Medicare | Medicare Advantage | Medigap + Part D |
|---|---|---|---|
| Monthly Premium | Part B ~$185 (2025–2026) | Often $0 extra | Part B + Medigap |
| Network Restrictions | ✓ None — any provider | ✗ HMO/PPO network | ✓ None — any provider |
| Dental, Vision & Hearing | ✗ Not included | ✓ Often included | ✗ Add-on only |
| Prescription Drugs | Separate Part D needed | ✓ Usually bundled | Separate Part D needed |
| Annual Out-of-Pocket Cap | ✗ No cap — unlimited | ✓ Annual limit set | Medigap covers most gaps |
| OTC & Fitness Allowances | ✗ None | ✓ Many plans include | ✗ Not included |
| Predictable Monthly Costs | ✗ 20% of all costs | Copay-based, varies | ✓ Very predictable |
| Not sure which fits you? | Get My Recommendation → |
Missing an enrollment window can mean permanent premium penalties. Our agents track your deadlines proactively.
Your first enrollment window. Missing Part B creates a permanent 10%/year penalty. Enroll in the 3 months before your birthday for on-time coverage.
Switch Advantage plans, join or change Part D, or move between Original Medicare and Advantage. Changes take effect January 1. We review your plan every AEP.
Triggered by losing employer coverage, moving, gaining Medicaid, or other qualifying events. You have 60 days to act — contact us immediately.
Our licensed agents compare every available plan in your area for your specific doctors, medications, and budget. Takes about 20 minutes. Costs you absolutely nothing.
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