Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurance companies. Many plans include prescription drug coverage and additional benefits such as dental, vision, and hearing.

Medigap (Medicare Supplement Insurance) works alongside Original Medicare to help pay certain out-of-pocket costs like deductibles and coinsurance. Medigap plans do not typically include prescription drug coverage, so you'll usually need a separate Part D plan.

The right choice depends on your healthcare needs, budget, travel habits, and provider preferences.

Missing your enrollment deadline could result in delayed coverage and, in some cases, lifetime late enrollment penalties for Part B or Part D.

Depending on your circumstances, you may qualify for a Special Enrollment Period that allows you to enroll outside the standard enrollment window. If you're unsure, it's best to review your situation as soon as possible.

If you don't have other creditable prescription drug coverage, enrolling in Part D when you're first eligible can help you avoid future late enrollment penalties.

Even if you currently take few or no medications, it's worth reviewing your options because your healthcare needs may change over time.

Yes. Medicare beneficiaries have opportunities each year to review and make changes to their coverage.

During the Medicare Annual Enrollment Period (October 15 through December 7), you may change Medicare Advantage or Part D plans for coverage effective January 1.

Because plan premiums, provider networks, drug formularies, and benefits can change from year to year, I recommend reviewing your coverage annually to make sure it still meets your needs.

Medicare costs vary depending on the coverage you choose.

You may pay:

• A monthly Part B premium 

• Deductibles 

• Copayments 

• Coinsurance 

• Prescription drug costs 

• Premiums for Medicare Advantage, Medigap, or Part D plans, if applicable 

Some plans have $0 monthly premiums, but you'll still need to consider your overall healthcare costs, including deductibles, copays, provider networks, and out-of-pocket limits.

In many cases, yes—but it depends on the plan you choose.

Original Medicare allows you to see any doctor or hospital that accepts Medicare. Medicare Advantage plans often have provider networks, so it's important to verify that your preferred doctors, specialists, and hospitals participate before enrolling.

I can help you check whether your providers are in-network before you make a decision.

Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period (IEP) begins three months before your 65th birthday month, includes your birthday month, and ends three months afterward—a total of seven months. If you're still working and have employer health insurance, your enrollment options may be different. It's a good idea to review your situation before making any decisions.

Prescription coverage varies by plan.

Most Medicare Advantage plans include Part D prescription drug coverage, while Original Medicare generally requires a separate Part D plan for outpatient medications.

Every plan has its own list of covered drugs (called a formulary), preferred pharmacies, and cost-sharing rules. Before enrolling, it's important to compare your prescriptions to each plan's formulary to help avoid unexpected costs.

Choosing the right Medicare coverage doesn't have to be confusing. If you'd like personalized guidance, I'm here to help.

Schedule your FREE Medicare Review today.