Open Enrollment — Medicare: Oct 15 | Individuals & Families: Nov 1 | Contact us today
Apply through Social Security if you haven’t already.
Share your healthcare needs and any current coverage.
A licensed broker compares Supplement, Advantage, and Part D plans.
We guide you through the process to activate coverage.
We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices. That’s why we’ve created this resource section.
We’re here to help with all your questions and answers in one place. Can’t find what you’re looking for? Reach out to our expert team directly.
Most people qualify for Medicare at age 65 if they or their spouse worked at least 10 years in Medicare-covered employment and are a U.S. citizen or permanent resident.
You may also qualify before 65 if you’ve received disability benefits for 24 months or if you have End-Stage Renal Disease (kidney failure requiring dialysis or a transplant).
Medicare has different parts:
Part A (Hospital Insurance): Usually premium-free; covers hospital stays, skilled nursing (not long-term care), hospice, and some home health care.
Part B (Medical Insurance): Monthly premium required; covers doctor visits, outpatient care, preventive services, and some home health care.
Part D (Prescription Drugs): Offered through private companies; helps lower drug costs and protect against high future costs.
We can help you review your eligibility and what enrolling might mean for you.
You enroll in Medicare Parts A and B through Social Security, not through a broker. You can apply:
Online at ssa.gov/medicare
By calling Social Security
Or by visiting your local Social Security office
Once you’re enrolled in Parts A and B, you’ll be ready to look at Medicare Supplement, Prescription Drug, or Medicare Advantage plans. That’s where a broker can help.
The first step is to apply for Medicare Parts A and B through Social Security when you’re eligible. Once that’s in place, you’ll want to decide whether to stay with Original Medicare (and possibly add a Medigap policy and Part D prescription coverage) or choose a Medicare Advantage plan.
That’s where we can help—by walking you through the options that work with your doctors, prescriptions, and budget so you feel comfortable with your next step.
Medicare has several options, and many people combine them to get the right balance of coverage:
Original Medicare (Parts A & B): Standard government coverage for hospital and medical services.
Prescription Drug Plans (Part D): Standalone coverage for medications.
Medicare Supplement Insurance (Medigap): Helps pay out-of-pocket costs like copayments, coinsurance, and deductibles.
Medicare Advantage (Part C): Private health plans that bundle Part A, Part B, and often Part D, with extra benefits.
Which path you choose depends on your health needs, budget, and provider preferences. We can walk through these options together.
Medicare Advantage plans are offered by private companies that contract with Medicare. They include all of your Part A and Part B benefits and often Part D (prescription coverage), plus sometimes extras like vision, dental, or hearing benefits.
Common types include:
HMO (Health Maintenance Organization): Lower costs, but you usually must stay in-network and may need referrals for specialists.
PPO (Preferred Provider Organization): More flexibility to see out-of-network doctors, usually at higher costs.
PFFS (Private Fee-for-Service): The plan decides how much it will pay providers and what you pay when you get care.
SNP (Special Needs Plan): Designed for people with specific health conditions or situations.
Another option to consider is Medicare Supplements (also called Medigap plans). These work alongside Original Medicare to help cover out-of-pocket costs like deductibles, copayments, and coinsurance.
Medicare Advantage and Medicare Supplement plans work differently, so it helps to review both options carefully.
Medigap plans (also called Medicare Supplement policies) are optional plans you can add to Original Medicare to help with costs like copayments, coinsurance, and deductibles. They’re standardized, which means each plan type (labeled by letters like Plan G or Plan N) offers the same core benefits no matter which insurance company sells it.
The main differences are in the extra benefits and monthly premiums. Some plans cover more out-of-pocket costs, while others keep premiums lower but leave you with more cost-sharing. In a few states—Massachusetts, Minnesota, and Wisconsin—plans are standardized differently.
See the chart below for a side-by-side comparison of Medigap plans. Once you’ve reviewed it, we can walk you through what those differences mean for your situation.
The chart below shows basic information about the different benefits Medigap policies cover.
Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
| Medigap Benefits | Medigap Plans | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
A | B | C | D | F* | G* | K | L | M | N | |
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
Blood (first 3 pints) | 100% | 100% | 100%
| 100%
| 100%
| 100%
| 50% | 75% | 100%
| 100%
|
Part A hospice care coinsurance or copayment | 100%
| 100%
| 100%
| 100%
| 100%
| 100%
| 50% | 75% | 100%
| 100%
|
Skilled nursing facility care coinsurance |
|
| 100%
| 100%
| 100%
| 100%
| 50% | 75% | 100%
| 100%
|
Part A deductible |
| 100%
| 100%
| 100%
| 100%
| 100%
| 50% | 75% | 50% | 100%
|
Part B deductible |
|
| 100%
|
| 100%
|
|
|
|
|
|
Part B |
|
|
|
| 100%
| 100%
|
|
|
|
|
Foreign travel exchange (up to plan limits) |
|
| 80% | 80% | 80% | 80% |
|
| 80% | 80% |
Out-of-pocket limit in 2025** | N/A | N/A | N/A | N/A | N/A | N/A | $7,220** | $3,610** | N/A | N/A |
* Plans F and G also offer a high-deductible plan in some states. You must pay Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,870 in 2025 before your policy pays anything. You can’t buy Plans C and F if you were new to Medicare on or after January 1, 2020 (page 75).
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($257 in 2025), the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance. You must pay a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
This information was obtained through official government Medicare resources.
By contacting the phone number on this website you will be directed to a licensed agent.
Part D helps cover prescription drug costs. You can enroll starting three months before your 65th birthday, and each year you can review or change plans during the Oct. 15–Dec. 7 open enrollment period. Plans vary, so it’s important to compare options. We can help you find coverage that fits your prescriptions and budget.
Initial Enrollment Period: Three months before you turn 65 through three months after.
Annual Enrollment Period: October 15 – December 7 each year, when you can join, switch, or drop coverage.
Special Enrollment Periods: Triggered by certain life events, such as moving or losing other coverage.
Enrollment rules can feel confusing, but we can explain your timing and help make sure you don’t miss a window.
No. There’s no added cost to you when you work with a licensed broker. The advantage is having someone on your side who explains your choices, reviews your doctors and prescriptions, and walks you through the enrollment process so you feel confident about your decision. Because we’re independent, we work with multiple carriers — giving you an unbiased view of your options. If you call one company directly, they’ll only recommend their plan. When you work with us, you get a clear comparison across carriers so you can choose the coverage that truly fits your needs.
Yes. We offer Medicare Advantage plans designed for veterans that provide extra benefits—like medical, dental, vision, hearing, fitness, acupuncture, chiropractic care, an over-the-counter allowance, partial Part B reimbursement on certain plans, and worldwide emergency coverage. These plans do not affect your VA Medical benefits or Tricare. (Note: They are not available if you have CHAMPVA.)
You can enroll during Medicare’s Annual Election Period, which runs from October 15 to December 7 each year.
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