Your Medicare Options, Made Simple
Understanding Medicare shouldn’t be confusing. Explore your options below — and get clear guidance whenever you’re ready.
Your Medicare Coverage Options
Choose the path that fits your needs — and get clear guidance whenever you're ready.
Medicare Supplements (medigap)
A Medigap plan works alongside Original Medicare (Parts A & B) to cover out-of-pocket costs like deductibles and coinsurance. It provides the most predictable, flexible coverage.
- See any doctor who accepts Medicare
- No referrals or network restrictions
- Predictable out-of-pocket costs
- Great for travelers and snowbirds
Medicare Advantage
(part c)
An all-in-one alternative to Original Medicare. These plans combine hospital, medical, and often dental, vision, and hearing benefits—usually with low or $0 premiums.
- $0 premium options available
- Extra benefits (dental, vision, hearing)
- Includes an annual out-of-pocket maximum
- HMO & PPO network options
Prescription Drug plans (part D)
Standalone drug plans designed for people on Original Medicare or Medigap. These plans help reduce prescription costs and ensure you avoid late enrollment penalties.
- Covers most common prescriptions
- Tier-based copays
- Helps prevent late penalties
- Review annually during AEP (Oct 15th - Dec 7th)
How Medicare Works
Understanding the basics makes choosing your medicare path much easier.
Original Medicare
(Parts A & B)
Covers hospital care (Part A) and medical care (Part B). Most people enroll at 65 unless they’re still working with employer coverage.
You Have Two Main Coverage Paths
You can choose between having Original Medicare + Medigap plan + Part D, or a Medicare Advantage plan (Part C).
Costs, Penalties & Income Adjustments
Some costs—like IRMAA, Part B penalties, and Part D penalties—depend on income and enrollment timing.
When Should you enroll in medicare?
your enrollment timeline depends on your age, work status, and current health insurance
Turning 65
Many people enroll during their Initial Enrollment Period — the 3 months before, the month of, and 3 months after your 65th birthday.
Still working?
If you have employer coverage and your employer has 20+ employees, you may be able to delay Part B without penalties. If your employer has fewer than 20 employees, Medicare usually requires you to enroll in Part B while working.
Retiring Later
When leaving employer coverage, you get an 8-month Special Enrollment Period to enroll in Part B without penalties. If your employer has fewer than 20 employees, you may need to enroll in Part B before retiring.
Get Medicare Guidance You Can Count On
Choosing the right Medicare path doesn’t have to be confusing. Whether you’re turning 65, still working, comparing plans, or unsure about penalties, I’ll help you understand your options clearly and confidently.
No pressure. No sales pitches. Just clear answers.