What Is Medicare?

Medicare is federal health insurance for people 65 and older. Here’s a quick overview of the parts:

  • Part A (Hospital Insurance): Covers hospital stays and skilled nursing care

  • Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services

  • Part C (Medicare Advantage Plans): Combines Part A & B, often with extra benefits like dental or vision

  • Part D (Prescription Drug Plans): Helps cover medication costs

  • Medigap (Supplement Plans): Helps pay out-of-pocket costs that Original Medicare doesn’t cover

How to Choose the Right Medicare Plan

When comparing Medicare plans, consider:

  1. Your current health and prescription needs

  2. Whether your preferred doctors are in-network (for Advantage plans)

  3. Monthly premiums, deductibles, and out-of-pocket costs

  4. Extra Help or Medicare Savings Programs if you qualify

Using these tips will help you pick the plan that gives the best coverage and value for your situation.

Why Reviewing Your Medicare Options Matters

Choosing the wrong plan can lead to higher costs or limited coverage.

Get Expert Help With Medicare

If you’re turning 65 soon or looking to review your current Medicare plan, we can provide free guidance and personalized plan comparisons. Together, we can find the plan that fits your needs and budget — with no obligation.

Is Medicare Supplement Plan G Worth It?

If you’re comparing Medicare Supplement (Medigap) plans, you’ve probably heard that Plan G is the most popular option. But is it still the best choice? Here’s a quick, simple breakdown.

What Plan G Covers

Plan G pays for almost all the costs that Original Medicare doesn’t cover, including:

  • Part A deductible

  • Hospital and skilled nursing costs

  • Part B coinsurance

  • Part B excess charges

  • Foreign travel emergency coverage

The only thing it does NOT cover is the Medicare Part B deductible.

After you pay that, Plan G covers 100% of Medicare-approved costs for the rest of the year.

Plan G Average Monthly Cost

Premiums vary by age and zip code, but most people pay:

  • $120–$190/month for standard Plan G

  • $95–$150/month for High-Deductible Plan G

Yes — Plan G is still worth it if you want predictable, top-level coverage and the freedom to see any doctor that accepts Medicare.

Medicare Advantage Plans Quick Guide

Looking for Medicare coverage? Medicare Advantage plans (Part C) combine Part A and Part B into one plan and often include extras like prescription drugs, dental, vision, and hearing.

Why consider Medicare Advantage?

  • All-in-one coverage with predictable costs

  • Extra benefits not included in Original Medicare

  • Potentially lower premiums than separate Part A & B + Medigap

Things to check before enrolling:

  1. Are your doctors and hospitals in-network?

  2. Compare monthly premiums and copays.

  3. Check prescription drug coverage.

Enrollment periods:

  • Initial Enrollment Period (IEP): 3 months before to 3 months after turning 65

  • Open Enrollment Period (OEP): Jan 1 – Mar 31 to switch Advantage plans or return to Original Medicare

Bottom line: Medicare Advantage plans can offer comprehensive coverage with extra benefits. Compare plans carefully to find the best fit for your health needs.