Coverage Solution
Medicare & Health Insurance
Explore Medicare, health and supplemental coverage options based on your situation.
Navigating Medicare — whether turning 65 or during the Annual Enrollment Period — does not have to be confusing. We simplify the choice between Original Medicare, Medicare Advantage (Part C), Medicare Supplements (Medigap), and Prescription Drug Plans (Part D), and help with individual and family health coverage.
Medicare Advantage (Part C)
All-in-one private plans that include Part A and Part B coverage, often bundling prescription drug coverage (Part D), vision, dental, and hearing benefits. Typically feature networks, copays, and a maximum out-of-pocket limit.
- Bundles Parts A, B & often D
- Vision, dental & hearing extras
- Defined out-of-pocket maximum
- Coordinated network care
Medicare Supplements (Medigap)
Policies from private carriers that pay the remaining out-of-pocket costs — copays, coinsurance, and deductibles — left by Original Medicare. Generally let you see any doctor who accepts Medicare, nationwide.
- Any Medicare-accepting doctor
- Predictable out-of-pocket costs
- Portable across states
- Renewable for life
Part D & Individual Health
Stand-alone prescription drug plans (Part D) to cover medications, plus individual and family health insurance for those not yet on Medicare or bridging coverage gaps.
- Prescription drug coverage
- Formulary-based pricing
- Individual & family plans
- Avoid late-enrollment penalties
Medicare enrollment periods at a glance
Initial Enrollment Period (IEP): A seven-month window around your 65th birthday — three months before, the month of, and three months after — when you can first enroll in Medicare Parts A and B.
Annual Enrollment Period (AEP): October 15 – December 7 each year, when you can switch between Medicare Advantage and Original Medicare, or change Part D plans, for the following year.
Special Enrollment Period (SEP): Opens after qualifying life events such as losing employer coverage or moving out of a plan's service area.
Confirm the current dates for your situation at Medicare.gov or by calling 1-800-MEDICARE.
Medicare frequently asked questions
When can I enroll in Medicare?
Medicare runs on fixed enrollment windows. Most people first become eligible in a seven-month Initial Enrollment Period around their 65th birthday. There is an Annual Enrollment Period each autumn (October 15 – December 7) when existing coverage can be changed for the following year. Certain life events — losing employer coverage or moving out of a plan's service area — can open a Special Enrollment Period. Missing a window can mean waiting a full year and, in some cases, a late-enrollment penalty that lasts for life. Confirm current dates at Medicare.gov or 1-800-MEDICARE.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) plans replace Original Medicare with a private plan that bundles Part A, Part B, and usually Part D drug coverage, often adding vision, dental, and hearing benefits. They typically have networks and copays. Medicare Supplements (Medigap) work alongside Original Medicare to pay remaining out-of-pocket costs like copays, coinsurance, and deductibles, and generally allow you to see any doctor who accepts Medicare. The right choice depends on your doctors, prescriptions, budget, and travel needs.
Do I need Medicare Part D if I don't take prescriptions?
Even if you currently take no medications, enrolling in a Part D prescription drug plan when first eligible helps avoid a late-enrollment penalty that is added permanently to your premium if you enroll later without other creditable coverage. We can help you compare stand-alone Part D plans based on your current and anticipated prescriptions.
Is there a cost for a Medicare consultation?
No. The consultation is free and carries no obligation to enroll in any plan. If you do enroll in a plan, the agent is compensated by the insurance company, which does not add to your premium.
Can I keep my doctor under Medicare?
It depends on the path you choose. Original Medicare plus a Medigap policy generally lets you see any provider who accepts Medicare nationwide. Medicare Advantage plans typically use provider networks, so verifying that your doctors and specialists are in-network is an important step before enrolling.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your State Health Insurance Program (SHIP), to get information on all of your options.
Ready to review your Medicare options?
Book a free consultation with Meena Fisher — no obligation, clear answers.