Hospital protection (A)
Inpatient care, skilled nursing facilities, and essential home health services.
Education
Medicare, made clear.
Plain language. No scare tactics. This is education — not a recommendation. A licensed agent compares what is actually available in your area.
Medical protection (B)
Physician services, preventive care, and necessary medical equipment.
Advantage plans (C)
All-in-one alternatives combining Parts A/B with additional benefits.
Prescription plans (D)
Medication protection to keep pharmacy costs manageable.
How the plan types differ
This table is types, not every plan in your zip. Use it to learn the shapes. The Plan Choice Audit then walks the trade-offs for your situation.
| Medicare Advantage | Medicare Supplement | Part D (drugs) | |
|---|---|---|---|
| How coverage works | One plan that usually bundles hospital, medical, and often drugs | Original Medicare (A+B) plus a Medigap policy for cost-sharing | Stand-alone drug coverage that pairs with Original Medicare |
| Doctors | Typically a network (HMO/PPO). Referrals may apply. | Any provider that accepts Medicare — nationwide in most cases | Pharmacies and formularies vary by plan |
| Monthly cost pattern | Often lower premium; copays at the point of care | Higher premium; more predictable when you use care | Premium + deductible + copays/coinsurance for drugs |
| Extra benefits | Sometimes dental, vision, hearing, fitness | Generally does not add extras beyond cost help | Focused on prescriptions, not extras |
| Best to discuss if | You want one card and can work within a network | You travel or want to keep specific specialists | You stay on Original Medicare and need drug coverage |
We do not offer every plan available in your area. Currently we represent 14 organizations which offer 14 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Insure It All is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Key enrollment windows
Initial Enrollment
A 7-month window around your 65th birthday. Enrolling on time helps you avoid lifetime late-enrollment penalties.
Annual Election Period
October 15 – December 7: your yearly chance to review Advantage and prescription coverage.
Let's make Medicare simple.
Call a licensed agent, or request a call back. No cost. No pressure.