Have Questions About Medicare? Here’s What You Need to Know
I have questions about Medicare
Medicare can be confusing, but we’re here to help! Whether you’re looking for Medicare Supplement (Medigap) plans, Medicare Advantage, or prescription drug coverage, we have the resources you need.
🔹 What’s the difference between Original Medicare & Medicare Advantage?
🔹 How do Medigap plans work, and do you need one?
🔹 When is the best time to enroll in Medicare?
Learn More About Medicare Plans
For in-depth guidance, visit our trusted partner, Medigap Advisors, where licensed Medicare experts can help you:
✔ Compare Plans – Find the right Medicare Supplement or Advantage plan for your needs
✔ Understand Coverage Options – Learn what Medicare does and doesn’t cover
✔ Get Personalized Quotes – Speak with an expert to review your best options
👉 Visit Medigap Advisors Now for expert Medicare advice!
Turning 65 soon? Already on Medicare and wondering about additional coverage options? Medicare is essential, but it doesn’t cover everything. That’s where Medicare Supplement (Medigap) plans come in.
What is Medicare, and What Does It Cover?
✅ Medicare Part A – Covers hospital stays, skilled nursing facilities, and some home healthcare.
✅ Medicare Part B – Covers doctor visits, outpatient care, and preventive services.
✅ Medicare Part C (Medicare Advantage) – Bundles Part A & B with extra benefits like vision and dental.
✅ Medicare Part D – Covers prescription drugs.
💡 Did You Know? Original Medicare (Parts A & B) only covers about 80% of medical expenses—you’re responsible for the rest unless you have additional coverage like Medigap or Medicare Advantage.
Why Consider a Medigap Plan?
Medigap (Medicare Supplement Insurance) is designed to fill the gaps in Medicare coverage, helping you avoid high out-of-pocket costs.
✔ Covers deductibles, copayments, and coinsurance Medicare doesn’t pay for
✔ Lets you see any doctor who accepts Medicare (no network restrictions!)
✔ Predictable costs for medical care—no surprise bills
✔ Guaranteed acceptance if you enroll during your Medicare Open Enrollment Period
🚨 Important: If you're within 6 months of enrolling in Medicare Part B, you have a guaranteed right to buy a Medigap plan without medical underwriting!
How to Choose Between Medigap & Medicare Advantage
| Feature | Medigap (Medicare Supplement) | Medicare Advantage (Part C) |
|---|---|---|
| Costs | Higher monthly premium, but low out-of-pocket costs | Low premium, but higher out-of-pocket costs when you need care |
| Doctor Choice | Any doctor that accepts Medicare | Limited network |
| Extra Benefits | No dental/vision, but can add Part D for prescriptions | Includes dental, vision, and Part D |
| Best For… | People who want flexibility and predictable costs | Those who want a lower premium and extra perks |
When Can You Enroll in Medigap or Medicare?
✅ Initial Enrollment Period (IEP) – Starts 3 months before your 65th birthday and lasts 3 months after.
✅ Medigap Open Enrollment – A 6-month window after enrolling in Medicare Part B, where you get guaranteed approval for any Medigap plan.
✅ Annual Enrollment Period (AEP) – October 15 - December 7, when you can switch Medicare Advantage or Part D plans.
✅ Special Enrollment Periods (SEPs) – If you retire later, lose employer coverage, or move states.
Need Help Choosing a Plan? Talk to an Expert
Medicare decisions can be overwhelming—but you don’t have to navigate them alone.
🔹 Compare Medicare Supplement & Advantage plans
🔹 Get help enrolling in the right coverage
🔹 Understand all your Medicare options
👉 Visit Medigap Advisors Now to speak with a licensed Medicare expert!