Medicare has many moving parts, and the wrong choice can be costly. We explain Original Medicare, Medicare Advantage, Medicare Supplement (Medigap) and Part D in plain English, then compare plans from carriers like Humana, Aetna, Anthem BCBS and Mutual of Omaha.
Your Medicare Options
- Medicare Advantage (Part C) – an all-in-one alternative to Original Medicare, often including prescription drug coverage and extra benefits, with a provider network.
- Medicare Supplement (Medigap) – helps pay costs Original Medicare does not, such as deductibles and coinsurance, with freedom to see any provider that accepts Medicare.
- Part D prescription drug plans – stand-alone drug coverage to pair with Original Medicare.
- Dental, vision & hearing – supplemental benefits to fill common gaps.
Key Enrollment Dates
- Initial Enrollment Period – a 7-month window around your 65th birthday.
- Annual Enrollment Period – October 15 to December 7, with changes effective January 1.
- Medicare Advantage Open Enrollment – January 1 to March 31 for people already in a Medicare Advantage plan.
- Special Enrollment Periods – for qualifying events such as moving or losing other coverage.
How We Help
We review your doctors, prescriptions, budget and travel habits, compare the plans available in your Ohio county, and help you enroll. We are also here after you enroll to help you at each year's annual review.
Frequently Asked Questions
Is Medicare Advantage or Medicare Supplement better?
Neither is better for everyone. Advantage plans typically have lower premiums with networks and copays; Supplements typically have higher premiums with more provider flexibility. We will help you compare based on your doctors, health and budget.
When should I enroll in Medicare?
Most people enroll during the 7-month period around their 65th birthday. Delaying without qualifying coverage can lead to lifetime late-enrollment penalties for Part B and Part D.
Does it cost anything to use your service?
No. Our help comparing and enrolling in Medicare plans does not cost you extra; carriers compensate agents and your plan premium is the same either way.