Medicare Plans that fit your life - Advantage, Supplement and Prescription Coverage.

Medicare Advantage

What key differences are there between Medicare Advantage (Part C) and Original Medicare?

Narrow Your Choice

Original Medicare - You can see any doctor or go to any hospital that accepts Medicare. 


Medicare Advantage - You may have to use doctors and hospitals inh the plan's specific network. 

Original Medicare - If you want or need prescription drug coverage, you'll need to buy a separate Part D plan. 


Medicare Advantage - Drug coverage (Part D) may already be included in your plan, so you do not need a separate plan.

Original Medicare - There's NO yearly limit on how much you might have to pay. You are responsible for Part B and/or Part D premium. 


Medicare Advantage - There's a yearly out-of-pocket maximum on how much you'll pay for covered medical expenses. You are responsible for Part B premium. Most plans include Part D, prescription drug plan, and offer zero to low monthly premium. 

Medicare Advantage (Part C) plan covers Original Medicare benefit. Most plans include prescription drug coverage (Part D), dental, vision, hearing, free gym membership and more. 

Prescription Drug Plan

How to get a Prescription Drug Plan (Part D).

  • Enrolling in a Medicare Advantage plan that offers prescription drug coverage.


  • Purchase a stand-alone prescription drug plan from a private insurance company when you have Medicare Supplement, or Original Medicare.


  • To enroll in Part D, you must already have Original Medicare Part A and/or Part B.


  • Part D is voluntary for some Medicare recipients such as veterans, or those with VA benefits.


  • Be aware of late penalty when you do not obtain Part D during eligibility period.

Medicare Supplement

What is Medicare Supplement? How can it help protect you from unexpected healthcare costs?

  • You must be already enrolled in Medicare Part A and Part B.  
  • Just like the name implies, Medicare Supplement plans “supplements” or fills in the gaps of Original Medicare. 
  • Original Medicare always pays first, then Medicare Supplement pays the rest.
  • Comes in 10 standard plans that usually only include Medicare-covered services. 
  • Medicare Supplement is sold by private insurance companies. 

  • Original Medicare Part A and Part B are your primary insurance.
  • Medicare generally pays 80% and Medicare Supplement will pay 20% for covered services.
  • No primary care providers or referrals are required.
  • You have the freedom of flexibility to see any Medicare provider nationwide. 
  • Most Medicare Supplement plans offers additional services and discounts. 

Which option is best for you?


  • Make sure Medicare Supplement and Medicare Advantage Plan are available in your area. Visit medicare.gov.


  • You cannot have both Medicare Supplement and Medicare Advantage Plan. Must select only one. Note: Switching from Medicare Advantage Plan to Medicare Supplement after you turn 65 will require an underwriting process.


Select a plan that best matches your needs and lifestyle. Any 'yes' to the following questions will help you determine the plan you want to sign up with.

Medicare Advantage

Part C

  • Are you qualified for full Medicaid?
  • Are you in need of dental or vision coverage?
  • Do you use Alternative Care options?
  • Do you need prescription drug coverage?
  • Are you a veteran or do you have VA benefits?
  • Do you have any chronic condition such as diabetes, heart failure, etc.?
  • Are you more comfortable with traditional insurance plan for which you pay premiums, out of pocket maximum, set copays, and coinsurance on some services?
  • Do you prefer low cost monthly premium and agree to see a doctor and/or hospital within a specified network?

Medicare Supplement

Medigap

  • Do you want more freedom to see any Doctor or visit any hospital that accepts Medicare?
  • Are you ok to have prescription drug plan as a separate policy?
  • Do you travel regularly or own a vacation or second home outside your residential area?
  • Do you have any conditions that require regular care and prefer not to pay-as-you-go?
  • Do you prefer a set monthly premium cost rather than pay-as-you-go for bills such as copays and other out of pocket expenses?
  • Additional benefit such as dental, vision, hearing are not important to you?