Affordable Medicare Insurance Solutions

Medicare Supplement (Medigap) Policies

A Medicare Supplement, commonly known as a Medigap policy, is an insurance product designed to help cover the "gaps" in Original Medicare. Sold by private insurance companies, these policies assist in paying for out-of-pocket costs associated with covered healthcare services and supplies that Original Medicare does not fully cover. While Original Medicare provides substantial coverage, it does not encompass all expenses, leaving beneficiaries responsible for certain costs.

Medicare Advantage Plans (Part C)

Medicare Advantage, also known as "Part C," is a Medicare health plan provided by private insurance companies that contract with Medicare to offer an alternative to Original Medicare. These plans typically include coverage for Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage). Many Medicare Advantage plans also offer additional benefits that Original Medicare does not cover.

Medicare Part D Prescription Drug Plans

Medicare Part D is essential for helping individuals cover the cost of prescription medications. While enrollment in Medicare Part D is optional, it is highly recommended, even for those who may not currently take prescription drugs. If you decide to delay enrollment and do not have alternative credible drug coverage, you might face a late enrollment penalty if you join a plan later. This penalty typically persists as long as you maintain Medicare drug coverage.