Navigating Medicare doesn't have to be complicated.
We help you find the right plan — clearly, confidently, and at no cost to you.
Medicare is a federal health insurance program for people 65 or older, people under 65 with certain disabilities, and people with End-Stage Renal Disease (ESRD).
Beyond Original Medicare, you have powerful options to extend and customize your coverage.
Helps pay some or all of the out-of-pocket costs that come with Original Medicare — giving you predictable, manageable expenses.
Helps pay for prescription drugs. Choose a standalone Part D plan to add drug coverage to your Original Medicare.
Combines Part A and Part B in one plan — usually includes prescription drug coverage and additional benefits like dental, vision, and hearing.
Hospital insurance inpatient deductible applied each benefit period.
Annual deductible before Medicare begins paying for covered services.
Standard monthly premium for Part B medical insurance coverage.
Two different approaches to the same goal — complete coverage. Here's what to consider.
Medigap fills the gaps in Original Medicare, covering co-pays, coinsurance, and deductibles. MAPD bundles everything in one plan with its own cost structure.
Medigap carries a monthly premium but offers predictable out-of-pocket costs. MAPD often has low or $0 premiums but may have copays and network restrictions.
MAPD plans come as HMO (network-based, referrals required) or PPO (more flexibility, see any Medicare-approved provider). Medigap works with any doctor accepting Medicare nationwide.
MAPD plans often include extra benefits like dental, vision, hearing, and fitness. Medigap provides freedom to use any Medicare-accepting provider with no referrals needed.
With Medigap, you'll typically add a standalone Part D drug plan. With MAPD, drug coverage and extras are often bundled — always verify what's included in your specific plan.
A step-by-step roadmap for enrolling in Medicare when you turn 65.
If you've been drawing Social Security for at least 4 months, you'll be automatically enrolled. Otherwise, you can enroll:
You should receive your Medicare ID card 2–4 weeks after applying, or about 2 months before you turn 65. Once received, schedule an appointment with a licensed broker to review coverage options and enroll in Medigap/Part D or a Medicare Advantage plan (Part C).
Your Medicare insurance becomes effective the first of the month. If you enroll in a MAPD, Medigap, or drug plan, your cards should arrive and coverage begins the first of the month. If you had a Marketplace plan previously, cancel it before your Medicare effective date.
You are now outside your Initial Enrollment Period (IEP). You cannot change your MAPD or Part D plan until Annual Enrollment (Oct. 15–Dec. 7). You can change your Medigap plan any time of year, but you may need to answer health questions to be eligible.
Missing an enrollment window can mean gaps in coverage or permanent penalties. Know your dates.
Generally when you turn 65 — the 3 months before, the month of, and the 3 months after your birthday.
January 1 – March 31. The window to apply for Part A and Part B if you missed your IEP.
January 1 – March 31. Use this window to change your existing Medicare Advantage plan.
October 15 – December 7. Apply for or change your Part D or Medicare Advantage (MAPD) plan.
Let us do the heavy lifting. A licensed Medicare specialist will walk you through every option — free of charge.