Medicare Coverage
Medicare Made Simple
Understanding your Medicare options shouldn't be complicated. We walk you through every choice — clearly, honestly, and at your own pace.
Medicare Supplement Plans
Medicare Supplement (Medigap) Plans
Medicare Supplement plans — also called Medigap — help cover the gaps that Original Medicare (Parts A & B) leaves behind, like copayments, coinsurance, and deductibles. These plans are sold by private insurance companies and work alongside your Original Medicare coverage.
Predictable Costs
Know exactly what you'll pay each month — no surprise bills from hospital stays or doctor visits.
Freedom to Choose Any Doctor
See any doctor or specialist who accepts Medicare — no network restrictions, no referrals needed.
Nationwide Coverage
Your coverage travels with you anywhere in the U.S. — ideal for retirees who travel or have multiple residences.
Guaranteed Renewable
Your policy can't be cancelled as long as you pay your premiums, regardless of health changes.
Plan G
Most PopularCovers nearly all out-of-pocket costs after the Part B deductible. The most comprehensive option for new Medicare enrollees.
- Part A coinsurance & hospital costs
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency (80%)
Plan N
Great ValueLower premiums than Plan G with small copays for office and ER visits. A smart balance of coverage and cost.
- Part A coinsurance & hospital costs
- Part B coinsurance (with small copays)
- Blood (first 3 pints)
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency (80%)
Plan F
GrandfatheredThe most comprehensive plan available — covers the Part B deductible too. Only available if you were eligible for Medicare before January 1, 2020.
- All Plan G benefits
- Part B deductible
- Part B excess charges
- 100% of all Medicare-approved costs
Medicare Advantage Plans
Medicare Advantage (Part C) Plans
Medicare Advantage plans are an alternative to Original Medicare offered by private insurers approved by Medicare. They bundle Parts A and B — and usually Part D (drug coverage) — into a single plan, often with extra benefits like dental, vision, and hearing.
All-in-One Coverage
Medical, hospital, and often prescription drug coverage bundled into a single, easy-to-manage plan.
Extra Benefits
Many plans include dental, vision, hearing, fitness memberships, and over-the-counter allowances.
Low or $0 Premiums
Many Advantage plans have $0 monthly premiums — you still pay your Part B premium.
Out-of-Pocket Maximum
Your costs are capped each year — Original Medicare has no out-of-pocket limit.
HMO Plans
Use a network of doctors and hospitals. Requires a primary care physician and referrals for specialists. Typically the lowest cost option.
PPO Plans
More flexibility to see out-of-network providers at a higher cost. No referrals needed for specialists.
Special Needs Plans (SNP)
Tailored for people with specific chronic conditions, dual Medicare/Medicaid eligibility, or those in certain institutions.
PFFS Plans
Private Fee-for-Service plans let you see any Medicare-approved provider who accepts the plan's payment terms.
Supplement vs. Advantage — Which Is Right for You?
Both paths have real advantages. The right choice depends on your health, budget, and lifestyle. Here's a quick side-by-side to help you think it through.
| Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| Monthly Premium | Higher (more predictable costs) | Often $0 (but more cost-sharing) |
| Doctor Choice | Any Medicare-accepting doctor nationwide | Usually network-based (HMO/PPO) |
| Drug Coverage | Separate Part D plan needed | Usually included |
| Extra Benefits | Medical coverage only | Dental, vision, hearing, fitness & more |
| Out-of-Pocket Cap | No cap (but gaps are covered) | Annual cap on out-of-pocket costs |
| Best For | Those who want maximum coverage certainty | Those who want low premiums + extras |
Not Sure Which Plan Fits You?
We'll sit down with you — no pressure, no jargon — and help you compare your options side by side. It's free, and it's what we do.