Medicare Plans & Coverage

You don't need to know all the options. That's what we're here for. Find what fits your situation below.

Advantage vs. Supplement — Which is Right for You?

The two most common paths. Here's how they compare at a glance.

Feature	Medicare Advantage (Part C)	Medicare Supplement (Medigap)
Monthly Premium	Often $0 (varies by plan)	$100–$300+ per month
Doctor Networks	In-network required (HMO) or preferred (PPO)	Any Medicare-accepting doctor nationwide
Drug Coverage	Usually included (Part D bundled)	Separate Part D plan required
Dental / Vision / Hearing	Often included as extras	Not included — standalone plan needed
Out-of-Pocket Costs	Copays/coinsurance; annual maximum applies	Very predictable — most gaps covered
Referrals Needed?	Sometimes (HMO = yes, PPO = no)	Never
Best For	Lower monthly cost, extras, local network	Freedom of choice, complex health needs, travel

Not sure which fits your life? Call Bryan at 281-254-0139 — one conversation is all it takes.

🏥 Medicare Advantage

"I want lower premiums and an all-in-one plan"

Medicare Advantage (Part C)

Medicare Advantage plans bundle your hospital, medical, and often prescription drug coverage into one plan. Many plans have $0 premiums and include extras like dental, vision, hearing, and over-the-counter benefits that Original Medicare doesn't cover.

These plans are offered by private insurance companies approved by Medicare and are a popular choice for people who want simplicity and extra benefits at a low monthly cost.

Often $0 monthly premium options
Includes prescription drug coverage (in most plans)
Extra benefits: dental, vision, hearing, OTC
Annual out-of-pocket maximum for protection
Hospital indemnity plans available to fill cost gaps

HMO vs PPO — which is right for you? HMO plans coordinate care through a primary care physician, with lower out-of-pocket costs for most members. PPO plans let you see specialists and out-of-network providers without a referral — great for people who travel or have established relationships with specific doctors. We'll walk you through both options with no pressure.

🏙️ Pair it with a Hospital Indemnity plan. Medicare Advantage plans have daily hospital copays that can add up quickly during a stay. A Hospital Indemnity plan pays you a cash benefit at admission — covering those copays directly. It's one of the smartest low-cost additions to a $0-premium Advantage plan. Learn how they work together →

📞 Ask About Advantage Plans

📋 Medicare Supplement

"I want the freedom to see any doctor with predictable costs"

Medicare Supplement (Medigap)

A Medicare Supplement plan works alongside your Original Medicare (Parts A & B) to cover the gaps — like copays, coinsurance, and deductibles — giving you broad coverage with very few out-of-pocket surprises. Benefits are standardized by the government, so a Plan G from one carrier covers the exact same things as a Plan G from another.

The biggest draw is freedom: you can see virtually any doctor in the country who accepts Medicare, with no networks and no referrals required.

See any Medicare-accepting doctor nationwide
No referrals needed for specialists
Standardized benefits: shop by price, not coverage
Excellent for frequent travelers or complex health needs

Know the full cost picture: Medicare Supplement plans have higher monthly premiums than most Medicare Advantage plans, often ranging from $100–$300+ per month depending on your age, plan type, and location. We'll always be upfront with you — including what you'd pay now versus five or ten years from now — so you can make a decision that works for your budget long-term.

Note: Supplement plans do not include prescription drug coverage. A separate Part D plan is required.

📞 Ask About Medigap Plans

💊 Part D

"How do I cover my prescriptions?"

Prescription Drug Plans (Part D)

Medicare Part D covers prescription drugs and is offered through private insurance companies. If you have Original Medicare with a Supplement plan, you'll need a standalone Part D plan. If you have a Medicare Advantage plan, drug coverage is typically included.

Every Part D plan has a formulary (a list of covered drugs), and costs vary based on your specific medications. We compare every plan available in your area to find the one that covers your prescriptions at the lowest total cost.

Covers brand-name and generic medications
Plans vary — we shop them all for your specific drugs
Helps protect against high drug costs
Annual out-of-pocket cap on drug costs

📞 Get a Part D Comparison

😁 Ancillary Benefits

"What about dental, vision, and final expenses?"

Dental, Vision, Hearing & Final Expense

Original Medicare does not cover routine dental, vision, or hearing. For many seniors, these are significant out-of-pocket expenses. Standalone plans for these benefits are available year-round and can be added at any time.

Standalone dental plans (cleanings, X-rays, major work)
Vision plans (exams, glasses, contacts)
Hearing aid coverage
Final expense / burial life insurance
Available year-round, no special enrollment period needed

📞 Ask About Ancillary Plans

Not Sure Which One Is Right for You?

That's completely normal, and it's exactly what we're here for. A quick 15-minute conversation is all it takes to figure out which direction makes sense for your doctors, your budget, and your lifestyle.

No paperwork, no commitment, no pressure.

📞 Call 281-254-0139 Request Free Consultation