1. Share ZIP & contact info
Plans are county-specific. Your ZIP helps narrow which products may be available where you live.
Compare Medicare plan options in your area
Licensed insurance professionals at Medicare Benefits Care help you understand Medicare Advantage, Prescription Drug (Part D), and Medicare Supplement (Medigap) options that may be available in your area.
By continuing, you may be connected with a licensed insurance agent who can contact you about plan information. No obligation to enroll.
How your Medicare review works
Common flow used on compliant TPMO lead sites—clear steps, transparent agent contact, and education before any enrollment decision.
2. Speak with a licensed agent
A licensed insurance professional may call or email to discuss plan types you asked about—Medicare Advantage, Part D, and/or Medigap.
3. Compare & enroll if you choose
If you decide to enroll, your agent walks you through the carrier’s approved enrollment process for the plan you select.
Types of Medicare coverage
Educational summary only. This is not a complete list of benefits, costs, or rules. Review Evidence of Coverage and Summary of Benefits from the insurer.
Original Medicare
Part A — Hospital insurance
Helps cover inpatient hospital stays, skilled nursing facility care (limited), hospice, and some home health care.
- Most people pay no Part A premium if they worked long enough
- Deductibles and coinsurance apply for many services
- Often paired with Part B for outpatient care
Original Medicare
Part B — Medical insurance
Helps cover doctor visits, outpatient care, preventive services, durable medical equipment, and some home health services.
- Monthly Part B premium (amount set by Medicare)
- Annual deductible and 20% coinsurance for many services
- No out-of-pocket maximum on Original Medicare alone
Part C
Medicare Advantage (MA)
Private plans that contract with Medicare to provide Part A and Part B benefits. Many plans include Part D and extra benefits such as dental, vision, or hearing (varies by plan).
- Network rules (HMO, PPO, etc.) apply
- Out-of-pocket maximum required for Medicare-covered services
- Cannot enroll in Medigap and MA at the same time in most cases
Part D
Prescription drug plans (PDP)
Standalone drug plans for people with Original Medicare, or drug coverage included in many Medicare Advantage plans.
- Formulary (drug list) varies by plan
- Pharmacy network and tier costs differ
- Late enrollment penalty may apply if you delay without creditable coverage
Medigap
Medicare Supplement (Medigap)
Private policies that help pay some costs Original Medicare does not cover, such as copayments, coinsurance, and deductibles (depending on the letter plan).
- Works with Original Medicare, not with MA in most cases
- Standardized plan types in most states (A, B, C, etc.)
- Does not include prescription drugs—Part D is separate
Specialized plans
SNP & dual-eligible options
Some Medicare Advantage plans focus on specific populations, such as people with chronic conditions (C-SNP), institutional care (I-SNP), or those eligible for both Medicare and Medicaid (D-SNP).
- Eligibility rules are stricter than standard MA
- Benefits designed around qualifying conditions or Medicaid status
- Availability varies by county and carrier
Side-by-side overview
Use this table for general education—not a substitute for plan-specific documents or personalized advice.
| Topic | Original Medicare (A & B) | Medicare Advantage | Medigap + Part D |
|---|---|---|---|
| Who provides coverage | Federal Medicare program | Private insurers contracted with Medicare | Original Medicare + private Medigap & PDP insurers |
| Drug coverage | Not included—add Part D | Often included (MAPD) | Separate Part D plan required |
| Provider access | Any provider that accepts Medicare | Plan network & referral rules may apply | Any provider that accepts Medicare (for A/B) |
| Out-of-pocket limit | No MOOP on A/B alone | Annual MOOP for Medicare-covered services | Medigap reduces some cost sharing; limits vary by plan letter |
| Extra benefits | Standard Medicare benefits | May include dental, vision, hearing, fitness, etc. | Medigap does not add extra benefits—focus is cost sharing |
When to review plans
Enrollment periods matter
Initial Enrollment Period (IEP): Usually the 7-month window around your 65th birthday (or Medicare eligibility).
Annual Enrollment Period (AEP): October 15 – December 7 each year for many plan changes effective January 1.
Medicare Advantage Open Enrollment (MA OEP): January 1 – March 31 for certain MA members to switch plans or return to Original Medicare.
Special Enrollment Periods (SEPs): May apply when you move, lose coverage, or other qualifying events—rules vary.
Prescriptions
Checking Part D fit
Compare each plan’s formulary, pharmacy network, and expected costs for the medications you take today—not just the premium.
During a plan review, a licensed agent can help you compare prescription costs using plan lookup tools for products available in your ZIP code.
Why beneficiaries work with an agent
Medicare choices are personal—doctors, prescriptions, budget, and travel habits all matter. A licensed agent helps translate plan documents into plain language and compare options that may be available in your area.
We do not offer every plan available in your area. For a full list of options, contact Medicare.gov or call 1-800-MEDICARE.
Frequently asked questions
Is this website run by Medicare or the government?
No. Medicare Benefits Care and its partners are licensed insurance professionals using this marketing name. We are not affiliated with or endorsed by Medicare, CMS, or any government agency.
Will someone call me after I submit the form?
Yes—if you provide consent, a licensed insurance agent may contact you by phone, email, or text regarding Medicare plan information. Message and data rates may apply. Consent is not required to purchase services.
Does requesting information enroll me in a plan?
No. Submitting a request is for education and follow-up only. Enrollment requires completing the carrier’s official enrollment process for a specific plan you choose.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage is an alternative way to receive Part A and Part B through a private plan, often with Part D included. Medigap supplements Original Medicare and does not work with most Medicare Advantage plans. Which path fits you depends on your providers, prescriptions, and budget.
Do you offer every plan in my ZIP code?
No. We represent a limited number of organizations and products. Organization and product counts will appear in our TPMO disclosure once provided by our Field Marketing Organization. For all options, call 1-800-MEDICARE.
Ready for a plan review in your ZIP code?
Take two minutes to share your contact details. A licensed agent may follow up with plan information for your area.
Request plan informationPlan review means educational assistance from a licensed agent at no charge to you—not a government benefit. We may be compensated by insurance carriers when you enroll.
