Medicare Advantage (Part C)
Private plans that bundle your Part A and Part B coverage, usually with drug coverage included. They work through a network of providers, and what they cover beyond Original Medicare varies by plan and by county.
Open Enrollment runs October 15 to December 7
You tell us what doctors you want to keep and what prescriptions you take. A licensed agent reviews the plans we offer in your county and explains the trade-offs in plain English. You decide what to do next — or decide to do nothing at all.
Most Medicare conversations go wrong because they start with a plan instead of with you. Ours starts with four questions.
Which physicians and specialists you want to keep seeing. Network rules differ sharply between plan types, and this is the single most common reason people regret a switch.
The exact medications and doses. Drug coverage lists vary by plan and change every year, including on a plan you already have.
Some people prefer a lower monthly premium and pay more when they use care. Others prefer the reverse. Neither is wrong; they suit different lives.
Whether you spend part of the year in another state, and which enrollment window you’re actually in. These two change the answer more than people expect.
These are the structures, not specific plans. Your agent will tell you which of these we offer where you live.
Private plans that bundle your Part A and Part B coverage, usually with drug coverage included. They work through a network of providers, and what they cover beyond Original Medicare varies by plan and by county.
Works alongside Original Medicare to cover some of the costs Medicare doesn’t. Standardized into lettered plans, so a Plan G from one company covers the same things as a Plan G from another — the price and the service are what differ.
Standalone drug coverage for people on Original Medicare. Each plan has its own list of covered drugs and its own pharmacy network.
Which of these makes sense depends on your doctors, your prescriptions, and your budget. That’s the whole conversation.
| Window | Dates | Who it’s for |
|---|---|---|
| Initial Enrollment Period | The 7 months around your 65th birthday — 3 before, your birthday month, 3 after | Anyone newly eligible |
| Annual Enrollment Period | October 15 – December 7 | Anyone wanting to change plans for the following year |
| Medicare Advantage Open Enrollment | January 1 – March 31 | People already in a Medicare Advantage plan |
There are also Special Enrollment Periods for life events like moving, losing employer coverage, or a plan leaving your area. If something has changed for you, ask — you may have a window open right now.
Name, contact, ZIP code. We don’t ask for your Medicare number, your Social Security number, or your medical history on this page — and you should be wary of any site that does.
Usually the same business day during open enrollment. The call is recorded, as required for Medicare sales calls.
What we offer in your county, what it covers, what it costs, and where the catch is. If nothing we offer beats what you already have, we’ll say so.
If you want to enroll, the agent handles the paperwork. If you don’t, that’s a perfectly normal outcome and nobody will hound you.