Medicare Plans

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With some significant changes for Medicare Plans that are taking place for 2025, now is the best time to review your current plan and your medications, so that you are ready for what is coming. Contact me for a no-cost, no obligation to enroll plan review of your current Medicare plan.

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Medicare Plans

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ. Many people sign up for Medicare Advantage Plans thinking they are Medicare Supplement Insurance Plans, they are not.

You can find more information about the different parts of Medicare by going to and searching for “Medicare and You” in the magnifying glass ‘Search Bar.’

Here is basic information on the parts of Medicare:

Medicare Part A

Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters) or by being a spouse of someone that has earned Part A. If you did not earn Part A, you will pay a premium.

Medicare Part B

Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and surgeries. It also covers preventive services like cancer screenings and flu shots. Part B also covers medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Supplement or a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.

Medicare Part D - Prescription Drug Plans

Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through an independent Prescription Drug Plan (PDP), or through a Medicare Advantage Plan that includes prescription drug coverage.

Medicare Supplement Insurance Plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

Medicare Advantage Plans

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative way of receiving your Medicare benefits plus the additional benefits that are offered. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These “bundled” plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

We do not offer every plan available in your area. Currently, we represent 7 organizations which offer 35 plans in your area. Please contact, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all your options.

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