Medicare guidance

Medicare Plans

Understand Parts A, B, C, and D—plus supplemental options—so you can choose coverage that supports your care and budget.

Medicare, explained simply

Medicare is a federal health insurance program. Plans and options can feel complex, but the basics are straightforward once you know the parts.

We help you compare coverage structures, provider access, prescription benefits, and enrollment timing so you can avoid gaps and surprises.

Timing matters

We help you track key enrollment windows and understand how changes can affect costs and coverage.

Doctor and drug fit

We review provider access and medication coverage details before you enroll.

Medicare parts

The building blocks

These parts work together in different combinations depending on your chosen approach.

Part A

Hospital coverage basics and inpatient-related services.

Part B

Doctor services and outpatient care essentials.

Part C

Medicare Advantage plans that combine benefits in a private plan structure.

Part D

Prescription drug coverage that varies by plan formulary and pharmacy network.

Compare paths

Two common ways to structure coverage

We help you choose based on provider access, travel, prescription needs, and expected care usage.

Original Medicare + supplement

Many people add a supplement and a prescription plan to reduce out-of-pocket exposure and increase predictability.

  • Broad access to providers (structure-dependent)
  • Supplement options can lower surprise costs
  • Separate prescription plan selection
Medicare Advantage

Private plan options that often combine medical and drug benefits, sometimes with added services.

  • Plan networks and service areas matter
  • Copays and maximums vary by plan
  • Extra benefits can be included (plan-dependent)
Cost drivers

What impacts Medicare costs

Costs can vary by plan, region, and personal factors. We help you focus on the items that influence your real annual expense.

  • Premiums, copays, and annual maximums
  • Prescription formulary and pharmacy network
  • Provider network access (plan-dependent)
  • Enrollment timing and eligibility factors
What we review with you
Doctors, specialists, and preferred facilities
Medication list and plan drug tiers
Expected care usage and budget goals
Annual changes and plan updates
FAQ

Medicare questions

General education to help you prepare for a plan discussion.

Enrollment timing depends on eligibility and your current coverage. We help you identify the relevant window and options.

Coverage depends on the plan formulary and pharmacy network. We can review your medication list against available options.

Advantage plans are private plan structures with networks and cost-sharing. Supplements can help reduce out-of-pocket exposure with a different structure.

A medication list, preferred doctors and hospitals, and current coverage details help us compare options efficiently.

Want help reviewing Medicare options?

We’ll help you compare plan structures, provider access, and prescription benefits so you can choose with confidence.