We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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We represent Medicare Advantage organizations and standalone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. Calling (407) 815-0820 will connect you to a licensed sales agent. TTY: 711.
Making sense of Medicare
Medicare has four main parts, and choosing the right combination is one of the most important decisions you'll make for your health in retirement. I don't sell anything on this page — I simply want you to understand your options. When you're ready, book a free appointment and we'll walk through it together.
Original, Advantage, Supplement & Part D
Each part plays a different role. Here's what they do, in plain English.
Original Medicare
Parts A & B · Federal
Run by the federal government, Original Medicare has two parts: Part A covers hospital stays, skilled nursing, hospice, and some home health care; Part B covers doctor visits, outpatient care, and preventive services.
- Standardized nationwide — same benefits everywhere
- See any doctor or hospital that accepts Medicare
- Part A is usually premium-free; Part B has a monthly premium
- You pay 20% coinsurance for Part B after the deductible
- No annual out-of-pocket maximum
Medicare Advantage (Part C)
Private plans
Offered by private insurers approved by Medicare, these plans bundle Part A, Part B, and usually Part D into one plan. Many add benefits Original Medicare doesn't cover, like dental, vision, hearing, and fitness programs.
- Often includes extras: dental, vision, hearing, fitness
- Has an annual out-of-pocket maximum for covered services
- Typically uses networks (HMO or PPO) and plan rules
- May require referrals to see specialists
- You still pay your Part B premium
Medicare Supplement (Medigap)
Supplemental
Private policies that supplement Original Medicare by helping pay the 'gaps' it leaves behind — Part A and B coinsurance, copayments, and deductibles. Some plans even cover foreign travel emergencies.
- Standardized plans labeled A–N (Plan G and Plan N are most popular)
- Benefits are identical across insurers for the same letter plan
- You pay a separate monthly premium in addition to Part B
- Works alongside Original Medicare — no networks
- Cannot be combined with a Medicare Advantage plan
Prescription Drug Coverage (Part D)
Medications
Standalone drug plans (PDPs) you add to Original Medicare, or coverage included in most Medicare Advantage plans. Each plan has its own formulary — a list of covered drugs organized into cost tiers.
- Covers both brand-name and generic medications
- The 'donut hole' coverage gap has been closing and is largely eliminated
- Enroll during your Initial or Annual Enrollment Period
- A late enrollment penalty may apply if you skip creditable coverage
- Compare formularies to match your specific prescriptions
How the parts fit together
Path 1 — Original Medicare route: You enroll in Parts A & B, then add a Part D plan for prescriptions and, if you want help with the gaps, a Medigap supplement. You keep the freedom to see any Medicare provider.
Path 2 — Medicare Advantage route: You enroll in Parts A & B, then choose a Part C (Advantage) plan that bundles everything together — usually including drug coverage and extras. You trade some provider freedom for lower out-of-pocket costs and added benefits.
You generally can't have Medigap and Medicare Advantage at the same time. The right path depends on your doctors, prescriptions, budget, and how much flexibility matters to you — and that's exactly what we'll figure out together in a free appointment.
Which Medicare coverage is right for you?
Medicare isn't one-size-fits-all. This honest guide breaks down who each part is recommended for — and who should consider something else — so you can choose with confidence. Still unsure? Book a free consultation and I'll walk through your doctors, prescriptions, and budget with you.
TRICARE for Life
Military note: If you have TRICARE for Life, you can usually add a Medicare Advantage plan at little or no extra cost and still keep your TRICARE for Life benefits. TRICARE for Life acts as a secondary payer, so your out-of-pocket costs are often minimal. Book a consultation to compare your options.
Original Medicare (Parts A & B)
Recommended for
- You want the freedom to see any doctor or hospital that accepts Medicare — nationwide, no networks
- You travel frequently or split your time between states
- You want to add a Medigap supplement and/or a standalone Part D drug plan of your choice
- You prefer predictable, standardized benefits that are the same in every state
- You have TRICARE for Life (Original Medicare pairs naturally with it as your primary coverage)
Not recommended for
- You want built-in extras like dental, vision, hearing, fitness, or OTC allowances
- You want a single all-in-one plan instead of managing Part A, Part B, Part D, and a supplement separately
- You're on a tight budget and need an annual out-of-pocket maximum on covered services
- You're comfortable being limited to a plan's network of doctors and hospitals
Medicare Advantage (Part C)
Recommended for
- You want one plan that bundles Part A, Part B, and usually Part D drug coverage
- You want built-in extras like dental, vision, hearing, fitness, and OTC allowances
- You want an annual out-of-pocket maximum to cap your risk
- You're comfortable using a network (HMO or PPO) and following plan rules or referrals
- You have TRICARE for Life — many add a $0-premium Advantage plan and keep TRICARE as secondary
- You prefer predictable copays for routine care and don't mind networks
Not recommended for
- You see doctors or use hospitals outside a plan's network and don't want restrictions
- You want the flexibility to travel anywhere and see any Medicare provider without referrals
- You're a higher-income earner who can afford a Medigap supplement and wants lower out-of-pocket risk with no networks
- You have complex health needs and want the broadest provider access without plan-imposed rules
Medicare Supplement (Medigap)
Recommended for
- Higher-income earners who can afford the monthly premium and want premium protection from surprise medical bills
- You have no significant pre-existing conditions (the best time to buy is during your Medigap Open Enrollment, when you have guaranteed-issue rights and no medical underwriting)
- You want to keep Original Medicare and fill its gaps — coinsurance, copayments, and deductibles
- You want no networks — see any doctor or hospital that accepts Medicare, anywhere in the U.S.
- You travel frequently or live in multiple states and want nationwide coverage freedom
- You want predictable, standardized benefits (Plan G and Plan N are most popular)
Not recommended for
- You're on a tight budget and can't afford a separate monthly premium on top of Part B
- You have significant pre-existing conditions and missed your Medigap Open Enrollment — you may face medical underwriting and could be denied or charged more
- You want built-in extras like dental, vision, or fitness (Medigap doesn't include them)
- You already have or want a Medicare Advantage plan (you can't carry Medigap and Advantage at the same time)
Standalone Prescription Drug Coverage (Part D)
Recommended for
- You're on Original Medicare (with or without Medigap) and need prescription drug coverage
- You take regular maintenance medications and want a plan formulary that covers them
- You want to avoid the late-enrollment penalty for going without creditable drug coverage
- You want to shop and compare formularies to match your specific prescriptions and pharmacies
Not recommended for
- You already have a Medicare Advantage plan that includes drug coverage (you generally can't carry a standalone PDP too)
- You have creditable drug coverage from another source (employer, union, VA, or TRICARE) and don't need Part D
- You take very few or no prescription medications and can't justify the monthly premium
This is general guidance, not a recommendation. Your actual options, costs, and eligibility depend on your location, health, prescriptions, and the plans available in your area.
The official "Medicare & You" Handbook
This is the U.S. government's complete, up-to-date guide to Medicare — every part, every option, in plain language. It's the same handbook CMS mails to beneficiaries each year. Download the free PDF to read it on your device, or click to view it in your browser. Then book a free appointment and we'll walk through the parts that matter most to you.
Source: medicare.gov · Published by the Centers for Medicare & Medicaid Services (CMS)
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