Choosing the right path depends on your preferred doctors, prescription needs, and out-of-pocket predictability.
Original Medicare
Medicare Advantage
Prescription Drug Plans
Covers hospital stays and medical services nationwide with any doctor who accepts Medicare. Pair with Medigap and Part D for comprehensive protection.
All-in-one alternatives offered by private insurers, often including prescription drug coverage, dental, and vision benefits within specific provider networks.
Standalone plans designed to help manage the cost of medications. Formularies and preferred pharmacies should be reviewed annually.
Understanding Medigap and Out-of-Pocket Limits
Medicare Supplement (Medigap) insurance helps pay some of the healthcare costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles.
Because Medigap policies are standardized, benefits are identical across insurance companies for the same letter plan. Premium rates and customer service quality vary, making independent comparison valuable.
Take time to ensure your coverage still matches your preferred doctors and medications.
We do not offer every Medicare plan available in your area. Currently, we represent 6 organizations which offer 59 products in your area.
Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Program (SHIP) to get information on all of your options.