Let us guide you in choosing the right Medicare Supplement or Medicare Advantage plan.  
We also help you to select a Medicare Part D (drug coverage) plan that includes your specific medications.

Medicare Supplement Insurance (Medigap)

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For more information and a comparison quote.  We can help to find a company that offers the lowest premium. 

Medicare doesn’t pay for all health care services and supplies. Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. 

A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. 

  • Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020.

  • If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.

Medicare Advantage Plans
(Part C)

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For more information on enrollment in Medicare plans and benefits that are available in your area. We can help you choose a plan that fit your budget and needs.

Medicare Advantage Plans provide all of your Part A and Part B benefits offered by a private insurance company that contracts with Medicare. 

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. 

Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost. 

Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you may need to use your Medicare card for some services. Also, you’ll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans.  

How Medicare Supplement Insurance (Medigap) policies work with Medicare Advantage Plans (Part C)

You can’t buy (and don't need) Medigap while you’re in a Medicare Advantage Plan. You can’t use Medigap to pay for any costs (copayments, deductibles, and premiums) you have under a Medicare Advantage Plan.

Drug coverage in Medicare Advantage Plans (Part D)

Most Medicare Advantage Plans include prescription drug coverage (Part D). You can join a separate Medicare Prescription Drug Plan with certain types of plans that:

  • Can’t offer drug coverage (like Medicare Medical Savings Account plans)
  • Choose not to offer drug coverage (like some Private Fee-for-Service plans)

You’ll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare if both of these apply:

  • You’re in a Medicare Advantage HMO or PPO.
  • You join a separate Medicare Prescription Drug Plan.

Note: If you’re in a plan that doesn’t offer drug coverage, and you don’t have a Medicare drug plan, you may have to pay a late enrollment penalty if you decide to join a Medicare drug plan later. Visit to learn more about the Part D late enrollment penalty.

Independent agents and brokers selling plans must be licensed by the state, and the plan must tell the state which agents are selling their plans. 

Rules for meeting with an agent

If you're going to meet with an agent, the agent must follow all the rules for Medicare plans and some specific rules for meeting with you.

During the meeting, Medicare plans and people who work with Medicare can:

  • Give you plan materials.
  • Tell you about the plan options and how to get more plan information.
  • Give you an enrollment form.
  • Collect your completed enrollment form.
  • Leave business cards for you to give to friends and family.

During the meeting, Medicare plans and people who work with Medicare can't:

  • Charge you a fee to process your enrollment into a plan.
  • Steer you into a particular plan.
  • Communicate incorrect information about their plan type or use inappropriate statements like their plan is "the best" or "highest ranked."
  • Tell you about other plan options you haven't agreed to discuss, unless you specifically ask about them (to discuss these options, you need to complete a separate appointment form).
  • Pressure you to join their plan by saying things like "you have to join this plan, or you won't have coverage next year."
  • Ask you to give names and phone numbers or addresses so they can sell to your friends or family.
  • Ask you to sign the enrollment form before you’re ready to join.

Rules for Medicare plans

People representing Medicare plans aren't allowed to:

  • Ask for your personal information (like your Medicare, Social Security, bank account, or credit card numbers) over the phone unless it’s needed to verify membership, determine enrollment eligibility, or process an enrollment request. Plans don't need your personal information to give a quote.


    If you applied for Extra Help paying for Medicare prescription drug coverage, someone from the plan may contact you if any information is missing from your application.

  • Come to your home uninvited to sell or endorse anything.
  • Call you unless you’re already a member of the plan. If you’re a member, the agent who helped you join can call you.
  • Require you to speak to a sales agent to get information about the plan.
  • Offer you cash (or gifts worth more than $15) to join their plan or give you free meals during a sales pitch for a Medicare health or drug plan.
  • Ask you for payment over the phone or online. The plan must send you a bill.
  • Tell you that they're Medicare supplement insurance (Medigap) policies.
  • Sell you a non-health related product, like an annuity or life insurance policy, during a sales pitch for a Medicare health or drug plan.
  • Make an appointment to tell you about their plan unless you agree. During the appointment, they can only try to sell you the products you agreed to hear about.
  • Talk to you about their plan in areas where you get health care like an exam room, hospital patient room, or at a pharmacy counter.
  • Market their plans or enroll you during an educational event like a health fair or conference.