Medicare

Advantage, Supplement, and Part D — explained without the alphabet soup.

Medicare has more letters than a Scrabble bag and most agents make it sound harder than it is. We walk you through the parts you actually need, in the order they matter, and help you pick the path that fits your health, your budget, and your zip code.

Who this is for

• Anyone turning 65 in the next 6 months (your Initial Enrollment Period is opening)
• People already on Medicare who haven’t reviewed their plan in 2+ years
• Anyone retiring early and losing employer coverage
• Caregivers helping a parent navigate enrollment

What's covered

• Medicare Advantage (Part C) — bundles Parts A, B, and usually D, often with dental/vision
• Medicare Supplement (Medigap) — fills the gaps Original Medicare leaves behind
• Part D prescription drug plans — standalone Rx coverage to pair with Original Medicare
• Dental, vision, hearing add-ons — built into many Advantage plans
• Annual wellness visits and preventive screenings — covered under Part B
• Travel coverage — varies by plan, important if you snowbird or live coast to coast

How we approach this at Insured AF

Medicare isn’t one decision. It’s a stack of decisions, and the right answer depends on how often you see doctors, what medications you take, and whether you want predictable costs or low premiums. We don’t push Advantage over Supplement or vice versa. We show you both, with real numbers, and let you decide.

If you’re already enrolled, we do an annual review. Plans change every year — formularies shift, networks change, premiums move. What worked in 2024 may not be the best fit in 2026.

Carriers we work with

Aetna, Humana, UnitedHealthcare, and Cigna/HealthSpring are our most-placed Medicare carriers. We also work with Mutual of Omaha, Anthem/BlueCross BlueShield, and several others on a less frequent basis.

Common questions

Should I get Advantage or a Supplement? Depends on your situation. Advantage has lower premiums, more bells and whistles, but network restrictions. Supplements cost more monthly but let you see any doctor that accepts Medicare. We run both scenarios for you.

When can I enroll? Your Initial Enrollment Period is the 7 months around your 65th birthday. Miss it and you may pay late penalties for life. Annual Enrollment runs October 15 – December 7 each year.

Will my prescriptions be covered? We check every drug you take against every plan’s formulary before you enroll. That’s the part most agents skip.

Can I switch plans later? Yes, during Annual Enrollment (Oct 15–Dec 7) or the Medicare Advantage Open Enrollment (Jan 1–March 31). We help you review every year.

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