A Medicare plan is only right if it covers your doctors and your prescriptions. Andrea checks both against every plan sold in your area before you enroll, at no cost to you.
Which sounds like you?
Choosing a Medicare plan comes down to three questions. Are your doctors in the network? What do your prescriptions cost on that plan's drug list? And how much risk are you willing to carry out of pocket? A licensed agent checks all three for you before you enroll, at no charge.
Pick the one that fits. Andrea takes it from there, at no cost and with no obligation to enroll.
Learn these four letters and you can follow the rest of it.
Inpatient hospital stays, skilled nursing, hospice and some home health care. Most people pay no premium for Part A.
Doctor visits, outpatient care, preventive services and durable medical equipment. Part B carries a monthly premium.
A private all-in-one plan that bundles Part A, Part B and usually Part D, often with dental and vision, for a low or zero premium.
Prescription coverage, either built into an Advantage plan or bought on its own to sit alongside Original Medicare.
Neither route wins on paper. You pick based on your doctors, your prescriptions and how you feel about a surprise bill.
Part C plans bundle hospital, medical and usually drug coverage, and often add dental, vision and hearing. Premiums are frequently zero. Care runs through a network.
A Medigap plan such as Plan G pairs with Original Medicare and covers most of what Medicare leaves behind. You can see any provider in the country that accepts Medicare.
Standalone prescription coverage matched to the exact medications you take. Andrea runs your list against each plan's formulary so the pharmacy bill holds no surprises.
A simplified view of how the two routes differ. Your own numbers depend on where you live and which plans carriers sell there.
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Typical monthly premium | Often $0 | Low to moderate |
| See any Medicare doctor | Network based | Yes, nationwide |
| Dental, vision, hearing | Usually included | Not included |
| Prescription drug coverage | Usually built in | Add a Part D plan |
| Predictable out-of-pocket | Copays up to a yearly cap | Part B deductible, then little else |
| Health questions to join later | No | Usually yes |
Miss a window and you can face a coverage gap or a penalty that follows you for life. Four of them matter more than the rest.
Seven months total: the 3 months before your 65th birthday month, that month, and the 3 months after.
Anyone can join, switch or drop an Advantage or Part D plan. The change starts January 1.
Already in an Advantage plan? You get one switch, either to another Advantage plan or back to Original Medicare.
Starts the month you are 65 and enrolled in Part B. Guaranteed acceptance on any Supplement, no health questions.
Medicare is the starting point for most people who call. Once the health coverage is sorted, families ask Andrea about these too.
A small whole life policy sized to cover a funeral, burial and the bills that arrive with it, so your children do not get the bill. Most plans ask a few health questions and no exam.
See final expenseTerm coverage for the years the mortgage and the kids still depend on your paycheck, or permanent coverage that builds value and never expires. Andrea walks you through which one fits what you are trying to protect.
See life insuranceA way to turn part of your savings into income that keeps arriving every month for as long as you live. Useful when Social Security alone does not cover the fixed bills.
See annuitiesAndrea never charges you for the help, and never pushes you off a plan that is already working.
Your doctors, your prescriptions and roughly what you can spend. You can cover it in a few minutes on the phone.
You get the plans available where you live, side by side, with the premiums, copays and drug costs written out.
Andrea files the paperwork and stays your point of contact when a bill or a plan letter turns up.
Family Solutions Center is Andrea Cannon. She answers the phone and she files your application. Next year, when a plan letter shows up and you cannot tell what changed, she is the one who reads it with you.
She covers Medicare, final expense, life insurance and annuities. If your current coverage already fits, she will tell you to keep it.
Medicare Advantage (Part C) is an all-in-one plan from a private insurer that replaces Original Medicare and usually adds drug, dental and vision coverage. A Medicare Supplement, also called Medigap, works alongside Original Medicare and pays the deductibles and coinsurance it leaves behind. Advantage runs through a network. Supplement lets you see any provider that accepts Medicare.
For some people yes, for others no, and how you use care is what decides it. Advantage puts everything on one card, often at a zero premium, in exchange for a network and a copay each visit. Original Medicare plus a Supplement costs more every month and opens the door to any provider in the country that takes Medicare. If you travel, or your specialist sits outside the network, that settles it.
No. Working with a licensed agent is free to you. Agents are paid by the insurance carrier whose plan you choose, so there is no fee and no obligation to enroll.
It depends on the plan. Medicare Supplement plans let you see any provider that accepts Medicare anywhere in the country. Medicare Advantage plans use networks, so Andrea confirms your doctors are in network before you enroll rather than after.
Your Initial Enrollment Period is the seven months around your 65th birthday. After that, most people can join or change an Advantage or Part D plan during Annual Enrollment, October 15 to December 7. Advantage members get one more switch between January 1 and March 31, and Medigap has its own six-month guaranteed-acceptance window when you first have Part B.
Andrea runs your exact medication list against each plan's drug formulary and shows you the total pharmacy cost for the year, not just the monthly premium. The yearly pharmacy total is where two plans usually separate.
Then keep it. Plans change their drug lists, networks and copays every year, so a yearly check is worth the time. If your current plan still fits, Andrea will say so.
See the plans carriers sell where you live, side by side, from one licensed agent instead of a call center.
Andrea has your request and will reach out at the time you picked. If you would rather not wait, call (323) 393-5839.
