Aging into Medicare is rarely simple. We walk you through Original Medicare, Advantage, Part D, and Medigap — explaining the trade-offs in plain English before annual enrollment closes.
Most of the confusion around Medicare comes from four letters: A, B, C, and D. Here's what they actually mean:
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health. For most people, Part A is premium-free if you've paid Medicare taxes for at least 10 years.
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. There's a monthly premium based on your income.
Private plans that bundle Part A, Part B, and usually Part D. Often include dental, vision, and hearing — but use carrier networks and may require referrals.
Standalone prescription plans that work with Original Medicare. Choosing the wrong Part D plan can cost hundreds extra per year — we run your medication list against every plan in your zip code.
If you stay on Original Medicare (A & B), a Medigap policy can cover the deductibles, coinsurance, and copays Medicare doesn't. Lettered plans (G, N, etc.) are standardized — the benefits are the same across carriers, only the price varies. We compare every available carrier for you.
Both have legitimate uses. The right answer depends on:
Plans change every year. Drug formularies shift, premiums adjust, and provider networks add or drop. We review your coverage every Annual Enrollment Period (October 15 – December 7) and tell you whether your current plan is still the right one.
Get a plain-English walkthrough — no jargon, no sales pitch.