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Our Licensed agents offer the right plan for you.
Original Medicare / Medicare Advantage / Supplements / Part D
Medicare (Parts A & B), Part C (Medicare Advantage), Medigap, and prescription drug coverage — compare plans with a licensed agent who knows all available options.
ACA subsidized Plans
Marketplace plans that may lower your monthly premium if you qualify for a subsidy based on income.
Private Market/Unsubsidized
For individuals who do not qualify for subsidies, or who want to compare non-exchange options.
Navigating the Medicare Coverage
Among the variety of health insurance options in the marketplace, how can consumers make the right decisions? Our reliable agents are here to assist you every step of the way.
Getting Started with Medicare
Whether you’re turning 65, retiring from a long career, or transitioning off an employer plan, we help you navigate your enrollment timeline and coverage choices with confidence.
You May Qualify for Medicare
Even if you’re younger than 65, you may be eligible for Medicare if any of the following apply to you:
- You have received Social Security Disability benefits for 24 months
- You have end-stage renal disease (ESRD)
- You have amyotrophic lateral sclerosis (ALS, also known as Lou Gehrig's disease)
Eligiblity for Medicare
Turning 65 or new to medicare
- Turning 65 and eligible for Medicare
- Retiring and coming off an employer group plan
- Freelancers or self-employed (65+) who worked 10+ years
- Recently lost employer coverage after 65
- Reviewing a current Medicare plan.
Special needs & complex cases
- Medicaid / Medicare dual special needs
- Chronic special needs conditions
- On SSDI for 24 months or longer
- Recent Stage 5 or end-stage kidney diagnosis
- Immigrants (65+) who worked full-time 10+ years in the U.S.
Are you qualified for Medicare Advantage Plan Benefits?
Our agents can help with Plans starting at $0 / Month.
Original Medicare (Part A & B) is a fee-for-service program. Medicare Advantage (Part C) is an alternative way to get your benefits, often bundling medical, hospital and drug coverage into one plan.
- Part A hospital · Part B medical
- Part C Medicare Advantage, an all-in-one alternative
- Part D prescription drug coverage
Key Plan incentives include:
- Access to dental, vision, and hearing coverage included at no additional monthly cost.
- Assistance for everyday needs, including over-the-counter (OTC) health items, groceries, utility payments, and transportation for essential services.
- Fitness memberships and programs like SilverSneakers included at no additional monthly cost.
- Plans with $0 monthly premiums are available.
- Eligible members may receive a reduction of up to $185 per month on their Medicare Part B premium, which increases their monthly Social Security benefit amount.
Benefits, availability and amounts vary by plan and service area. A licensed agent can confirm what is offered where you live.
We have agents ready to help!
Dental & Vision Coverage All medical plans can include dental and vision options. Our agents partner with top carriers, including Aetna, Cigna, MetLife, Delta Dental, Ameritas, and others.
Medicare Advantage vs. Medicare Supplement
The two most common ways to round out Original Medicare. Here is the plain-language difference, side by side.
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Doctor choice | Usually a network (HMO or PPO) | Any doctor who accepts Medicare |
| Referrals | Often required for specialists | No referrals needed |
| Prescription drugs | Usually included | Separate Part D plan needed |
| Extra benefits (dental, vision, hearing) | Often included | Not included |
| Monthly premium | Often low, sometimes $0 | Usually higher |
| Out-of-pocket costs | Copays and coinsurance up to a yearly limit | Predictable, most gaps covered |
| Travel coverage | Usually local network only | Works nationwide with any Medicare provider |
The four parts of Medicare
| Part | What it covers | Typical cost in 2026 |
|---|---|---|
| Part A | Inpatient hospital, skilled nursing, some home health care | $0 premium for most people |
| Part B | Doctor visits, outpatient care, preventive services | Standard monthly premium applies |
| Part C | Medicare Advantage — bundles A, B and usually D | Often $0 in addition to Part B |
| Part D | Prescription drug coverage | Varies by plan and formulary |
Costs shown are general guidance and vary by plan, income and service area. A licensed agent can confirm exact figures for your ZIP code.
Medicare questions, answered
When am I eligible for Medicare?
Most individuals become eligible at age 65. However, you may also qualify earlier due to certain disabilities or conditions. An agent can help you determine your exact enrollment window.
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare (Part A & B) is a fee-for-service program, while Medicare Advantage (Part C) is an alternative way to get your benefits, often bundling medical, hospital, and drug coverage into one plan. An agent can help you compare which structure fits your healthcare needs.
Can an agent help me with Medicare Part D?
Yes. Choosing a prescription drug plan (Part D) depends heavily on the specific medications you take. Our agents can help you look at drug formularies to find a plan that covers your prescriptions at the lowest cost.
Does Medicare cover dental?
Original Medicare does not cover routine dental care such as cleanings, fillings or dentures. Many Medicare Advantage plans include a dental benefit at no additional monthly cost. A licensed agent can show you which plans in your area include dental.
What is a Medicare flex card?
A flex card or health allowance card is a benefit some Medicare Advantage plans offer to help pay for items such as over-the-counter health products, groceries or utilities. Availability and amounts vary by plan and area.
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