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Original Medicare is for Individuals aged 65+, and Younger Adults with Qualifying Disabilities. 

It’s divided into Two parts:

• Part A (Hospital Insurance) - Covers Inpatient Hospital Stays, Skilled Nursing Facilities, Hospice Care, and more. Generally, with a $0 Premium - If you’ve Earned 40+ Working Credits.
• Part B (Medical Insurance) - covers Medical Services, Outpatient Care, Doctor Visits, Preventive Services, Durable Medical Supplies, and more. With a Monthly Premium Starting at $202.90 in 2026. 

While Original Medicare Provides a Broad Foundation of Health Coverage, it Does Not Include Prescription Drugs, Dental, Vision, or Hearing Services. Beneficiaries are Responsible for Premiums, Deductibles, Copayments, Coinsurance. With No Annual Limit on Out-of-Pocket Costs.

For many Living on a Fixed Income, Paying Extra Premiums for Supplemental Coverage +Plus Monthly Premiums for Prescriptions, Dental, Vision, Hearing May Not be Feasible. 

This is where Medicare Advantage Plans can Help Bridge the Gap, Providing an Affordable Alternative. 

Part C- Combined All-In-One Approach. Plans Often Include Medical, Hospital, Prescription Drugs, Dental, Vision, Hearing, +More. Eliminating the need to Pay Separate Premiums.  Enhancing your Overall Health Coverage.

Offered by Private Companies and Vary by Service Area. With Networks such as HMO, PPO, D-SNP, POS, MSA, and PFFS. It's Important to Check your Providers to Ensure they are In-Network. 

• Cost-Effective - Many Medicare Advantage Plans Start at $0 Monthly Premium or a Low and Affordable One!

• Financial Protection - Include a Max Out-of-Pocket Cap, Ensuring that Once your Out-of-Pocket Expenses are Met, your Medical Copays Drop to $0 for the Rest of the Year! This Financial Protection is Not Available with Original Medicare.

• Additional Benefits - Plans may include Gym Memberships, Rewards, and Over-the-Counter Credits, +More

• Personalized Support - While some Services May Require Prior Authorization, these Plans Ensure a Smooth Enrollment Process and Provide Tools and Knowledge to Help you Effectively Access and Utilize your Coverage Benefits. 

For those Who Are Dual Eligible, Meaning they have Both Medicare Part A & Part B Along with Medicaid Coverage, there are Dual Special Needs Plans Available. These Plans Offer Richer Benefits at No Additional Cost, Supporting Individuals who Require More Medical Care and Financial Support.  Learn more.

There are Government Programs Available that can Help with your Medicare costs:

• Medicare Savings Program - Helps with Medicare premiums.
• Extra Help / LIS - Helps with Prescription Costs
• +More

Let's Explore these Together!

Making Medicare Advantage Plans a STRONG Health Coverage Option! 

Many Individuals Find that these Plans Not Only Provide Comprehensive Health Coverage but Also Offer Valuable Coverage to Enhance their Benefits.