Medicare Made Simple

Compare Original Medicare (Parts A & B), Medicare Advantage (Part C), Part D prescriptions, and Medigap supplements — with a licensed, independent broker. Our help comes at no cost to you! We can only talk to you, about plans you select on your Scope of Appointment form

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Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. For a full list of plans, visit Medicare.gov or call 1-800-MEDICARE

How Medicare Works

Parts A & B (Original Medicare)

Part A: Hospital, skilled nursing, some home health & hospice
Part B: Doctor visits, outpatient care, labs, imaging, preventive services
Does not include most dental/vision/hearing; no out-of-pocket maximum

Ways to Add Coverage

Part D: Stand-alone drug plan (pairs with Original Medicare)
Medigap (Supplement): Helps pay Part A/B costs; no networks
Medicare Advantage (Part C): All-in-one alternative with networks; often includes Part D

Compare Your Options

Feature

Original Medicare + Part D + Medigap

Medicare Advantage (Part C)

Doctor/Facility Access

Any provider that accepts Medicare

In-network (HMO/PPO rules apply)

Monthly Premiums

Higher when Medigap + Part D are added

Often lower; may be $0 premium (varies)

Out-of-Pocket Costs

Predictable; Medigap pays many A/B costs

Copays/coinsurance up to plan max

Extras (Dental/Vision/Hearing/Fitness)

Usually not included

Often included

Enrollment Windows

Initial Enrollment Period (IEP): 7-month window around your 65th birthday or qualifying disability
Annual Enrollment Period (AEP): Oct 15 – Dec 7. Review/switch Part D & Advantage plans for Jan 1 start
Medicare Advantage Open Enrollment (MA OEP): Jan 1 – Mar 31. One change: MA ⇄ MA or drop MA & enroll in Part D
Special Enrollment Periods: Certain life events (move, loss of coverage, Extra Help, etc.)

How We Help

Confirm eligibility & timing; coordinate Part A & B enrollment
Run a prescription cost analysis across plans
Check your doctors & clinics against plan networks

Explain Medigap vs Advantage trade-offs in plain language
Complete enrollments by phone, video, or in-person
Ongoing support when benefits and formularies change