Over 65
Medicare Plans Explained
Medicare Advantage, Supplement (Medigap), Part D, and Dual Special Needs Plans — we compare options across all the top carriers to find coverage that fits your doctors, medications, and budget.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurers approved by Medicare. They include Part A, Part B, and usually Part D — often with extra benefits like dental, vision, and hearing.
- HMO, PPO, and Special Needs Plans available
- $0 premium options may be available in your area
- Dental, vision, and hearing extras
- OTC and transportation benefits on select plans
Medicare Carriers We Offer
AmeriHealth VIP SNP (Caritas), UnitedHealthcare, Aetna, Cigna, Devoted Health, Highmark, Horizon, IBC, Jefferson Health Plans, and Wellcare.
Plans Available
- Medicare Advantage (Part C)
- Medicare Supplement (Medigap)
- Dual / DSNP
- Chronic Special Needs Plans (CSNP)
- Part D Prescription Drug Plans
Medicare Supplement (Medigap)
Original Medicare only covers about 80% of your costs. A Medicare Supplement fills in the gaps — covering deductibles, copayments, and coinsurance so you are not hit with unexpected bills. Medigap plans are standardized by the federal government, so we help you find the same coverage at the best price.
Dual / DSNP Plans
If you qualify for both Medicare and Medicaid, you may be eligible for a Dual Special Needs Plan — coordinating both benefits, often with extra perks like food allowances and transportation. Not sure if you qualify? Contact us and we will check for you.
- $0 or very low premiums
- OTC (over-the-counter) allowances
- Food and grocery allowances
- Transportation to medical appointments
- Dental, vision, and hearing coverage
Key Enrollment Periods
- Initial Enrollment Period (around your 65th birthday)
- Annual Enrollment Period: Oct 15 – Dec 7
- Medicare Advantage Open Enrollment: Jan 1 – Mar 31
- Special Enrollment Periods (qualifying life events)
Missing your enrollment window can result in late enrollment penalties. Contact us early, and we will make sure you never miss a deadline.
Special Enrollment Periods (SEP)
You do not have to wait for AEP if you qualify for a Special Enrollment Period. Certain health conditions and coverage situations let you enroll or switch plans at other times of year:
Chronic SNP (CSNP)
If you have a qualifying chronic condition such as diabetes, heart disease, or CHF, or a cardiovascular disorder, you may enroll or switch once per quarter. Eligibility requires documentation of your condition.
Dual SNP (DSNP)
If you have both Medicare and full Medicaid, you can enroll or switch once per quarter, with benefits coordinated under a single plan.
Other Life Events
Moving out of your plan area, losing employer or union coverage, becoming eligible for Medicaid or Extra Help, your plan leaving Medicare, an ESRD diagnosis, or release from incarceration.
Veterans Benefits
VA Benefits, TRICARE & Medicare — How They Work Together
VA Benefits + Medicare
VA benefits and Medicare are separate programs that do not automatically coordinate. Medicare generally pays for care outside the VA, while the VA covers care at VA facilities. Having both adds flexibility in where you receive care.
TRICARE for Life (TFL)
For eligible retirees, TRICARE for Life acts as a Medicare wraparound — Medicare pays first, and TRICARE for Life pays second. To keep TFL, you must be enrolled in both Medicare Part A and Part B.
Do Veterans Need a Supplement?
With TRICARE for Life, you may not need a separate Medigap plan. If you rely solely on VA benefits, a Supplement or Advantage plan may still help with non-VA care. Every veteran situation is different.
Ready to Find the Right Plan?
Talk with a licensed broker who works for you — at no cost. We will guide you through every step.