Medicare Insurance — Seniors & Retirees
Medicare Plans — Advantage,
Supplement & Part D Compared
for You
Turning 65, losing employer coverage, or reviewing your Medicare plan? We help seniors compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans from all major carriers — at no cost to you.
There is no cost to work with a Medicare advisor. Our compensation comes from the carriers — your premium is the same whether you use an agent or enroll directly.
The best Medicare plan for you isn't the same as for everyone else.
Seniors searching for Medicare Advantage plans, supplemental prescription insurance, or Medicare Part D coverage face hundreds of plan combinations. The wrong choice can mean thousands in unexpected out-of-pocket costs, or discovering your doctor isn't in-network after you've already enrolled.
We're appointed with all major Medicare carriers — Humana, Aetna, UnitedHealthcare, BCBS, Cigna, and more — and we compare plans side by side based on your specific medications, preferred doctors, and budget.
Understanding Your Medicare Options
Original Medicare is just the starting point. Most beneficiaries supplement it with additional coverage — here's how the main options compare.
| Feature | Original Medicare (Parts A & B) | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|---|
| Who administers it | Federal government | Private insurance carrier | Private insurance carrier |
| Monthly premium | Part B standard premium only | Often $0–$50/mo (plus Part B) | Varies; typically $80–$300/mo (plus Part B) |
| Out-of-pocket maximum | No annual cap | ✓ Annual limit required by law | ✓ Plans F/G cover most gaps |
| Prescription drug coverage | Not included (need Part D) | ✓ Usually included | Not included (need Part D separately) |
| Network restrictions | ✓ Any provider that accepts Medicare | HMO/PPO network applies | ✓ Any provider that accepts Medicare |
| Dental/vision/hearing | Not covered | ✓ Often included | Not covered |
| Best for | Baseline coverage only | Budget-conscious, prefer bundled benefits | Want predictable costs, frequent care users |
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare that bundles hospital, medical, and often drug coverage into a single plan from a private carrier. Often includes dental, vision, and hearing benefits.
- HMO, PPO, and PFFS plan types
- Annual out-of-pocket maximum
- Often includes Rx, dental, vision & hearing
- $0 premium plans available in many counties
- Fitness and wellness benefits included
Medicare Supplement (Medigap)
Fills the "gaps" in Original Medicare — covering deductibles, copays, and coinsurance. Plans are standardized by letter, so Plan G from one carrier is identical to Plan G from another.
- Plans A, B, D, G, K, L, M, N available
- Plan G is the most popular post-2020 option
- Use any Medicare-accepting provider nationwide
- No network restrictions or referrals needed
- Pairs with standalone Part D for Rx coverage
Medicare Part D — Prescription Drugs
Standalone Part D plans provide supplemental prescription drug coverage. Choosing the wrong plan can cost significantly — formularies vary widely between carriers and change every year.
- Covers brand-name and generic medications
- We compare plans by your specific drug list
- Available from Humana, WellCare, SilverScript & more
- Late enrollment penalties apply if you delay
Enrollment Periods & What to Bring
Key Medicare Enrollment Periods
Initial Enrollment Period (IEP)
A 7-month window around your 65th birthday — 3 months before, your birth month, and 3 months after. Your first and most important opportunity to enroll without penalties.
Annual Enrollment Period (AEP)
October 15 – December 7 each year. Switch between Original Medicare and Medicare Advantage, or change Advantage and Part D plans. Changes take effect January 1.
Medicare Advantage Open Enrollment (OEP)
January 1 – March 31. If enrolled in Medicare Advantage, switch to another MA plan or return to Original Medicare.
Special Enrollment Periods (SEP)
Triggered by life events — losing employer coverage, moving out of a plan's service area, qualifying for Medicaid, and others.
What to Bring to Your Medicare Review
Your current medications
Drug name, dosage, and frequency — the most important factor in Part D and Advantage plan comparisons.
Your preferred doctors and specialists
We'll verify network participation before recommending any Medicare Advantage plan.
Your Medicare card (if already enrolled)
Your Medicare number and Part A/B effective dates help us determine your options and eligibility.
Any current supplemental coverage
Employer retiree coverage, VA benefits, Medicaid — these all affect which Medicare options are available to you.
Why work with Your Policy for Medicare?
Carrier-Neutral Advice
We're appointed with all major Medicare carriers, so we have no incentive to push one plan over another. You get a side-by-side comparison, not a sales pitch.
No Cost to You
Working with a licensed Medicare advisor doesn't cost you anything. Your premium is the same whether you enroll through us or directly — and you get an expert in your corner.
Annual Reviews
Formularies change, plan benefits shift, and your health needs evolve. We proactively reach out before AEP each year to review your coverage.
Trusted by Families
Medicare decisions affect your whole family. We take the time to make sure everyone understands the plan before enrollment.
Medicare FAQs
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There's no single best Medicare insurance company — it depends on your county, medications, doctors, and budget. Top Medicare Advantage carriers include Humana, UnitedHealthcare (AARP), Aetna, and BCBS — available plans vary by location. For Medicare Supplement (Medigap), we compare rates across all carriers licensed in your state since Plan G benefits are identical regardless of carrier.
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There is a wide selection of standalone Medicare Part D prescription drug plans available nationwide, including options from Humana, WellCare, SilverScript, Aetna, and UnitedHealthcare. The best Part D plan for you depends on your specific medications. We run a personalized Part D comparison based on your drug list.
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Original Medicare (Parts A and B) provides solid foundational coverage, but it has meaningful gaps — no annual out-of-pocket maximum, no prescription drug coverage, and limited dental and vision. That's why most seniors add either a Medicare Advantage plan or a Medicare Supplement plan. With the right supplemental coverage in place, Medicare can be excellent insurance for seniors.
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Medicare Advantage (Part C) replaces Original Medicare with a private plan that usually includes Rx, dental, and vision — often at a $0 premium. Medigap supplements Original Medicare by paying deductibles and coinsurance. Medigap offers more predictable costs and broader provider access; Advantage plans often include more benefits at a lower premium but come with network restrictions.
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You're eligible for Medicare at 65. Your Initial Enrollment Period is 7 months — starting 3 months before your birthday month. If you're still working with employer coverage, you may be able to delay without penalty — but the rules depend on your employer's size. We recommend reviewing your situation at least 6 months before you turn 65.
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Yes. If you delay enrolling in Medicare Part B without qualifying coverage (like active employer insurance), you may face a permanent 10% premium penalty for each 12-month period you went without coverage. Part D has a similar late enrollment penalty. These penalties are why we encourage anyone approaching 65 to review their situation early.
Let's find the right Medicare plan for you — at no cost.
Whether you're turning 65, searching for the best Medicare Part D plans, or comparing Medicare Advantage vs. Medigap — a 30-minute review with our advisors can save you hundreds of dollars.