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Plan Details

Types Of Medicare Plans

Medicare Health Plans

Medicare health plans provide Part A (Hospital Insurance) and Part B (Medical Insurance) benefits to people with Medicare. These plans are generally offered by private companies that contract with Medicare. They include Medicare Advantage Plans (Part C), Medicare Cost Plans, Demonstrations/Pilots, and Program of All-inclusive Care for the Elderly (PACE) Medicare Part C plans are the most common. They can provide Part D (drug) coverage and other benefits not covered by regular A and B Medicare, such as routine Dental, Vision, and Hearing, transportation, over the counter allowances, and more. What is important to understand about these plans is that benefits, copays, co-insurance can vary wildly from company to company and where you live. Doctor and hospital networks can also vary from company to company. Our job is to help you find the plan that allows you to see the doctors you want at the lowest cost. Most part C plans include Rx coverage and we can make sure the plan covers your medications at the lowest cost.

Hospital Indemnity

Hospital Indemnity coverage is a highly recommended and afforable add-on for people who choose Medicare Advantage as their Medicare coverage. The reason being is that the hospital stay on the Advantage plan is often the most costly out of pocket event that could have you end up paying thousands. This plan covers your entire stay in the hospital all year long so you don't have to pay anything out of pocket.


Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare. These plans have a monthly premium and are combined with a separate Part D prescription plan. The draw of these plans is that as long as you pay the premium you can see any Doctor or Hospital nationwide that accepts Medicare and only pay the Medicare Part B deductible ($226 for 2023) and not a penny more for any other medical expense for the rest of the year. Medicare Supplements are a commodity buy meaning plans are standardized across all companies. What differs is price, financial strength of the company and frequency of rate increases. We have the experience and experitise to get you on the right plan.

Part D

Also called Medicare Part D, Medicare Prescription Drug Plans are stand-alone plans that add prescription drug coverage to your Medicare Parts A and B coverage. Part D plans are offered by Medicare-approved private companies and the cost of each plan depends on the provider and your location. Most Medicare advantage plans include Part D at no extra cost.