Medicare Advantage vs Medigap: Choosing Your Path
These are two fundamentally different approaches, and switching later is harder than most people expect. A clear comparison of cost structure, freedom and risk.
Preparing trusted coverage options...
Licensed agents available • No obligation to enroll
Speak with an agent: +1 (888) 276-3561(TTY 711)Compare Medicare Advantage, Medigap, Part D and ACA Marketplace plans in one place. We check your doctors and your prescriptions against every plan, before you enroll rather than after.
Takes about 2 minutesTTY 711We never sell your information
Three steps, no paperwork, no pressure.
Answer a few questions about your coverage, your ZIP code and your budget.
A licensed agent checks your doctors, your prescriptions and the plans available where you live.
Enroll if a plan fits. There’s no obligation and no cost either way.
Nine kinds of coverage, each with a straight answer about who it suits and what it costs you.
We're paid the same by the carrier whichever plan you choose, so there's no incentive to steer you anywhere but the right plan.
You speak with a licensed insurance agent who can explain trade-offs, not a call-centre reading from a sheet.
Your doctors against the network. Your prescriptions against the formulary. Before you enroll, because that's where the expensive surprises hide.
Comparing plans costs you nothing. Your premium is identical whether you enroll through an agent or directly with the carrier.
Coverage questions don't stop at enrollment. We're here for claims questions, plan changes and next year's review.
That’s the normal starting point. Tell a licensed agent what matters to you (your doctors, your prescriptions, your budget) and they’ll narrow it down. No cost, no obligation.
Outside these hours, submit a quote request and an agent will call you back on the next business day. TTY users dial 711.
Real situations from people who were trying to work out the same things you are.
“I had no idea my cardiologist had left my plan's network for the new year. The agent caught it while reviewing my Annual Notice of Change and found a plan that kept both my doctors and my prescriptions. That one phone call saved me a great deal of trouble.”
“As a self-employed contractor my income moves around a lot, and I had been guessing at it. They explained how the subsidy is actually calculated and showed me that a Silver plan with cost-sharing reductions cost me less overall than the Bronze plan I had picked myself.”
“We spend half the year in Michigan and half in Florida, so networks were a real problem for us. Nobody had explained that a Medigap plan works anywhere that takes Medicare. We switched during my open enrollment window and it has been completely straightforward since.”
“I lost my job coverage with about three weeks left in my special enrollment window and did not realise the clock was running. They sorted out the paperwork quickly and my new plan started without a gap.”
“One of my medications had moved to a higher tier and my pharmacy was no longer preferred. They compared plans against my actual prescription list rather than just the premium, and my monthly drug costs came down substantially.”
“They worked out that keeping me on my employer plan while putting the children on a Marketplace plan was cheaper than one family policy. I would never have thought to compare it that way.”
Deadlines, penalties and the details that quietly cost people money.
If yours isn't here, call us. We'd rather answer it than have you guess.
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