Medicare Plans,
Simply Explained.
Stop drowning in confusing plan options. I break down every Medicare plan type in plain English so you can choose with confidence — never confusion.
Get My Free Plan ComparisonMedicare Plan Overview
A quick-reference guide to understand how the different parts of Medicare work together.
Questions about what any of this means? That's exactly what I'm here for.
The Three Plans I Help You Navigate
Every Medicare situation is unique. I compare all three for you — at absolutely no cost.
Medicare Supplement (Medigap)
Works alongside Original Medicare (Part A & B) to cover the 'gaps'—like copays, coinsurance, and deductibles—so you rarely face unexpected out-of-pocket costs.
- Covers Medicare Part A & B cost-sharing gaps
- Freedom to see any doctor who accepts Medicare
- No referrals needed for specialists
- Predictable monthly costs, fewer surprises
- Guaranteed renewable regardless of health changes
Best for: Those who want maximum freedom and predictable costs.
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare, offered by private insurers. Often bundles medical, hospital, and prescription drug coverage—sometimes with $0 premium options.
- Combines Part A, Part B, and often Part D
- Many plans include dental, vision & hearing
- May include fitness benefits (SilverSneakers)
- $0 or low monthly premium options available
- Extra benefits beyond Original Medicare
Best for: Those who want extra benefits and lower monthly premiums.
Prescription Drug Plans (Part D)
Stand-alone drug coverage added to Original Medicare or a Medigap plan. I'll review your exact medications to find the plan that minimizes your out-of-pocket drug costs.
- Covers brand-name and generic prescriptions
- Plans vary by formulary—I match yours exactly
- Helps avoid the Medicare Part D penalty
- Annual review to ensure you have the best plan
- Works with Medicare Supplement plans
Best for: Those on Original Medicare who need drug coverage.
Medicare Supplement Plan Letters
Medigap plans are standardized by letter. Here's what each covers — I'll help you find your best fit.
Covers hospital coinsurance & hospice care coinsurance/copayments.
Plan A benefits plus Medicare Part A deductible.
Plan B benefits plus skilled nursing & foreign travel emergency.
Plan B benefits plus skilled nursing care coinsurance.
Most comprehensive — covers all Medicare cost-sharing (available pre-2020).
Like Plan F but you pay the Part B deductible. Most popular today.
50% coverage of most cost-sharing; lower premium option.
75% coverage of most cost-sharing; lower premium option.
Covers 50% of Part A deductible; lower premium.
Plan D benefits plus 100% of Part B coinsurance with small copays.
Not sure which letter plan is right for you? I compare them side-by-side based on your doctors, medications, and budget.
Find My Best PlanWhy Let Me Guide You?
Let me help you take the frustration out, and help you choose the right plan for your needs!
No pressure. No cost. Just clear answers.
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