Medicare Coverage
Medicare doesn't have to be confusing. We sit down with you, explain every option in plain language, and help you choose the coverage that makes the most sense for your health and your budget.
Understanding Your Medicare Options
Medicare has several moving parts. We walk you through each one so you can make a confident, informed decision.
Medicare Part A — Hospital Coverage
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people get Part A premium-free if they or their spouse paid Medicare taxes for at least 10 years.
Medicare Part B — Medical Coverage
Covers doctor visits, outpatient care, preventive services, and some medical equipment. Part B requires a monthly premium and comes with an annual deductible.
Medicare Supplement (Medigap)
Fills the gaps left by Original Medicare — covering copays, coinsurance, and deductibles. Gives you predictable out-of-pocket costs and the freedom to see any doctor who accepts Medicare.
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare offered by private insurers. Often includes prescription drug coverage, dental, vision, and hearing. Plans vary by carrier and area.
Medicare Part D — Prescription Drugs
Adds prescription drug coverage to Original Medicare or a Medigap plan. Missing your enrollment window can result in permanent late penalties — we'll make sure you sign up at the right time.
Dental & Vision Coverage
Original Medicare doesn't cover routine dental or vision care. Standalone dental and vision plans can be added to fill this gap, and many Medicare Advantage plans include them.
When Should You Enroll?
Your Initial Enrollment Period begins 3 months before your 65th birthday month and ends 3 months after. This is the best time to enroll — signing up late for Part B or Part D can result in permanent premium penalties.
If you're still covered by an employer plan at 65, you may be able to delay Medicare without penalty — but the rules are specific and easy to misread. We'll make sure you understand your situation.
Not sure if you qualify? You're eligible if you're a U.S. citizen or permanent legal resident of at least 5 years and either turning 65, receiving Social Security disability benefits for 24+ months, or have certain qualifying conditions.
Not sure where you stand? Give us a call — we'll sort it out together.
(864) 660-3535 →Supplement vs. Advantage — Which Is Right for You?
The choice between a Medicare Supplement and a Medicare Advantage plan is one of the most common questions we get. Here's a simple breakdown:
Medicare Supplement (Medigap)
Works alongside Original Medicare. More predictable costs, broader provider access, typically higher premiums. Good for people who travel or want maximum flexibility.
Medicare Advantage (Part C)
Replaces Original Medicare. Often lower premiums, may include extras like dental and vision, but typically has a network of providers. Good for people who want an all-in-one plan.
The right choice depends on your health, budget, and lifestyle. We compare both for you — no pressure either way.
Get Your Free Medicare Review
Tell us a bit about your situation and we'll help you figure out the best path forward.