Medicare Advantage & Medicare Supplement Solutions

Medicare comes with important choices, and understanding how different coverage options work can make the process easier.

Understanding Your Medicare Coverage Choices

Original Medicare includes Part A for hospital insurance and Part B for medical insurance. People with Original Medicare may also choose separate prescription drug coverage and, if eligible, Medicare Supplement Insurance. Medicare Advantage provides another way to receive Medicare-covered benefits through a Medicare-approved private insurance company.

Your healthcare priorities, budget, preferred providers, prescription needs, and the plans offered where you live can all affect which options you consider.

Black first aid kit icon with a white medical cross and small handle on top

Medicare Advantage (Part C)

Medicare Advantage, also known as Part C, is an alternative to receiving your healthcare coverage through Original Medicare.


These plans are offered by Medicare-approved private companies and include Part A and Part B benefits. Most Medicare Advantage plans also include Part D prescription drug coverage, and some offer additional benefits that Original Medicare does not cover.


Depending on the plan, you may need to use healthcare providers within a particular network or obtain prior authorization for certain services. Premiums, deductibles, copayments, provider networks, prescription coverage, additional benefits, and other costs can vary.

Black stopwatch icon on a white background with circular arrow accents

Medicare Supplement Insurance

Medicare Supplement Insurance, often called Medigap, works alongside Original Medicare rather than replacing it. A Medigap policy is additional insurance offered by private companies that can help pay certain out-of-pocket costs associated with Medicare Part A and Part B.


In most states, Medigap policies are standardized and identified by letters. Policies with the same letter generally provide the same basic benefits regardless of the insurance company offering them, although premiums and certain features can differ.


Medicare Supplement and Medicare Advantage are different approaches to coverage. A Medigap policy cannot be used to pay Medicare Advantage deductibles, copayments, or coinsurance.

Two people stand in a driveway facing a two-story suburban house with a garage.

What Should You Consider?

When comparing Medicare insurance options, cost is only one consideration. Depending on the coverage you're exploring, it can also help to consider:

Plans, premiums, networks, drug formularies, benefits, and availability can change, so reviewing current plan information is important. As an independent agent, I can help you understand relevant options from the providers I work with and compare plan information in straightforward terms.

Medicare Insurance FAQs

  • What is the difference between Medicare Advantage and Medicare Supplement?

    Medicare Advantage is another way to receive Medicare-covered benefits through a Medicare-approved private plan. Medicare Supplement works alongside Original Medicare and can help with certain Part A and Part B out-of-pocket costs.

  • Can I have Medicare Advantage and Medicare Supplement at the same time?

    Medigap is designed to supplement Original Medicare, not Medicare Advantage. A Medigap policy cannot be used to cover Medicare Advantage deductibles, copayments, or coinsurance.

  • Does Medicare Supplement include prescription drug coverage?

    Medigap policies sold after 2005 do not include prescription drug coverage. People with Original Medicare who want drug coverage can consider a separate Medicare Part D plan.

Let’s Talk About Your Medicare Needs

Whether you're preparing for Medicare or reviewing your current coverage, I can help you better understand the insurance options available to you.



Schedule a free 15-minute consultation to discuss your needs and explore Medicare Advantage or Medicare Supplement options based on your location and eligibility.