Once you're enrolled in Original Medicare (Parts A & B), you have important choices to make. We help you understand and compare every option available in your area.
All-in-one plans from private insurers that replace Original Medicare, often with additional benefits included.
Supplemental plans that pair with Original Medicare to cover deductibles, copays, and coinsurance gaps.
Stand-alone Part D plans that help reduce the cost of your prescription medications.
Both options enhance your Medicare coverage, but they work very differently. Here's a side-by-side comparison to help you decide.
| Feature | Medicare Advantage | Medigap |
|---|---|---|
| Monthly Premium | Often $0 (beyond Part B) | Varies by plan & age |
| Out-of-Pocket Maximum | Yes (built into plan) | No cap, but lower cost-sharing |
| Extra Benefits | Dental, vision, hearing, fitness | Not included |
| Prescription Drugs | Usually included (Part D bundled) | Separate Part D plan required |
| Provider Network | HMO/PPO networks apply | Any Medicare-accepting provider |
| Referrals Required | Yes (HMO) / No (PPO) | Never required |
| Best For… | Low premiums & bundled benefits | Maximum freedom & predictable costs |
Not sure which path is right? Talk to a licensed advisor — it's always free.
Navigating Medicare alone can be confusing. An independent broker simplifies the process and ensures you get the best plan for your situation.
Unlike captive agents, we represent multiple carriers and have no incentive to steer you toward any single plan. We find what's genuinely best for you.
Our services cost you nothing. Insurance carriers compensate us directly — you pay the same premium whether you use a broker or enroll on your own.
From enrollment to claims, we're by your side all year. We also review your coverage annually to ensure it still meets your evolving health needs.
Before you enroll, we verify that your preferred doctors are in-network and your prescriptions are covered — so there are zero surprises.
Timing matters with Medicare. Missing a window can mean penalties or delays. We help you stay on track.
A 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). This is when you first sign up for Medicare and choose your initial coverage.
October 15 through December 7 each year. During this window, you can switch Medicare Advantage plans, return to Original Medicare, or change your Part D prescription drug plan.
January 1 through March 31. If you're already in a Medicare Advantage plan, you can switch to a different Advantage plan or drop back to Original Medicare during this period.