Services

• Medicare Supplement (Medigap): Helps cover out-of-pocket costs not paid by Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles.
• Medicare Advantage (Part C): A private plan that combines Parts A, B, and often D. It may include extra benefits like dental, vision, and prescription drug coverage.

• You can enroll during your Initial Enrollment Period (3 months before to 3 months after your 65th birthday).
• If you’re still working and have employer insurance, you may qualify for a Special Enrollment Period.

The best plan depends on your healthcare needs and budget. Medicare Advantage plans may be more affordable but have network restrictions, while Medigap plans offer more flexibility but higher premiums. We can help you compare options based on your health needs.

Yes, you can make changes during Medicare’s Annual Enrollment Period (October 15 – December 7) or during a Special Enrollment Period if you qualify.

Medicare covers many healthcare services, but not everything. Medigap plans help with gaps in Original Medicare, while Medicare Advantage plans may offer additional benefits like dental and vision.

If you have Original Medicare (Parts A and B) and not a Medicare Advantage plan with drug coverage, you’ll need a Part D plan to cover prescription medications.