How Medicare Works.The Big Picture.
Medicare isn’t a single plan — it’s a set of parts that each do a different job. We break it down in plain English so you can feel confident about your choices before we ever talk plans.
- Local AgencyOur agency provides local, year-round support.
- Plan OptionsWe review the plans our agency is appointed to offer in your service area.
- Year-Round HelpWe’re here long after enrollment ends.
The Main Pieces of Medicare
You won’t use all of them at once — most people combine the pieces that fit their situation. Tap any piece to learn more.
Part A
Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing care, hospice, and some home health.
Learn morePart B
Medical Insurance
Helps cover doctor visits, outpatient care, preventive services, and more.
Learn morePart C
Medicare Advantage
An all-in-one plan from private companies that includes Part A and Part B — and often more.
Learn morePart D
Prescription Drug Plans
Helps cover the cost of prescription medications.
Learn moreMedigap
Supplement Insurance
Helps pay the out-of-pocket costs Original Medicare doesn’t cover.
Learn moreMost People End Up on One of Two Paths
Original Medicare
Part A + Part B
- The Part A + Part B foundation
- Add a Part D plan for prescriptions
- Option to add a Medigap plan for the gaps
- See any provider who accepts Medicare
More provider choice. You build your coverage.
Medicare Advantage
Part C
- One private plan bundles your coverage
- Usually includes Part D drug coverage
- Often adds extra benefits
- Uses a provider network
One plan. Often more benefits. You use the plan’s network.
The Gaps People Forget About
- Long-term careCustodial care or assisted living
- Dental, vision & hearingMost routine services not covered
- Routine foot careBasic foot care is usually not covered
- Most dental implantsImplants are usually excluded
- Cosmetic proceduresElective cosmetic care is not covered
- Private-duty nursingOne-on-one nursing at home
This is why many people add a Part D plan, a Medigap plan, and other supplemental coverage. We’ll help you understand your gaps and build the right plan.
Common Medicare Questions
Medicare is generally made up of Part A (hospital), Part B (medical), Part C (Medicare Advantage), and Part D (prescription drugs). Many people also consider Medicare Supplement (Medigap) coverage, which works with Original Medicare.
No. Medicare Advantage (Part C) is a private-plan way to receive your Medicare benefits. Medicare Supplement (Medigap) works alongside Original Medicare to help with certain out-of-pocket costs. They generally aren’t used together.
Most people start by understanding Part A and Part B, then decide whether to stay with Original Medicare — often adding drug or supplement coverage — or use a Medicare Advantage plan. A short conversation can help you sort out which pieces apply to you.
Often, yes. Most people don’t pay a premium for Part A, but Part B has a standard monthly premium, and Part C, Part D, and Medigap plans can have their own premiums. What you pay depends on the coverage you choose and your situation.
With Original Medicare you can generally see any provider who accepts Medicare. With a Medicare Advantage plan, you typically use the plan’s network — so it’s worth checking that your doctors are in-network before you enroll.
Let’s put your Medicare puzzle together.
Get clear answers and make confident choices — with a local advocate who’s here year-round.