We're independent — we compare plans across every major carrier to find what fits your situation. No pressure, just clear guidance.
Pair with Original Medicare to cover out-of-pocket costs
Medicare Supplements, also called Medigap, work alongside Original Medicare (Parts A & B) to help cover costs like deductibles, copayments, and coinsurance. They're sold by private insurance companies but standardized by the government.
Medicare Supplement plans fill the "gaps" that Original Medicare doesn't cover — things like the 20% coinsurance for Part B services. Once Original Medicare pays its share, your Medigap plan pays its share, often leaving you with little to no out-of-pocket cost.
Freedom and predictability. You can see any doctor who accepts Medicare nationwide, and you'll know your monthly premium upfront with very few surprise costs.
Important to know: Plans are standardized by letter (A, B, D, F, G, N, etc.). Plan G from one company covers the same things as Plan G from another company — the difference is price and customer service. We help you pick the right letter plan and find the best price.
All-in-one alternative to Original Medicare
Medicare Advantage plans are an alternative to Original Medicare. They're offered by private insurance companies approved by Medicare and often include extra benefits like dental, vision, and hearing coverage.
Instead of using Original Medicare, you get your Medicare benefits through a private insurance plan. Most Medicare Advantage plans include prescription drug coverage (Part D) built in, and some have $0 monthly premiums.
Often includes dental, vision, and hearing coverage with lower monthly premiums than Medicare Supplements. Many plans have $0 premiums, though you'll pay copays when you use services.
Important to know: Network restrictions apply — you'll need to use doctors and hospitals in the plan's network. We make sure your current doctors are covered before you enroll.
Coverage for prescription medications
Medicare Part D plans help cover the cost of prescription medications. If you have Original Medicare and a Medicare Supplement, you'll need a separate Part D plan for prescription coverage.
Part D is prescription drug insurance sold by private companies approved by Medicare. Each plan has its own list of covered drugs (called a formulary) and its own network of pharmacies.
We compare formularies across multiple plans to make sure your specific medications are covered at the lowest cost. Every plan is different, so this comparison is critical.
Important to know: There's a penalty for late enrollment. If you don't sign up when you're first eligible and don't have other creditable coverage, you may pay higher premiums for as long as you have Part D.
Connecticut state program that may pay your Part B premium
The Medicare Savings Program is a Connecticut state benefit that may pay your Medicare Part B premium if you're on a fixed or limited income. Most people who qualify don't know the program exists.
If you qualify, the State of Connecticut may cover your monthly Part B premium (currently $202/month). That's over $2,400 per year in savings. It's not a loan, not tied to any one insurance company, and there's nothing to pay back.
Could save over $2,400 per year by having the state pay your Part B premium. Many people qualify but never apply because they don't know about it.
Want to see if you may qualify? We offer a quick, no-obligation consultation to review your situation and help with the application if you're eligible. Call (860) 854-4752 or book a free call.
| Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| Doctor Choice | Any doctor who accepts Medicare, nationwide | Must use plan's network (HMO/PPO) |
| Monthly Premium | Higher premiums, but fewer surprise costs | Often $0 premium, but copays when you use care |
| Extra Benefits | No dental, vision, or hearing coverage | Often includes dental, vision, hearing |
| Prescription Drugs | Need separate Part D plan | Usually included in the plan |
| Best For | People who want freedom and predictability | People who want extras and don't mind networks |
This is a simplified comparison. The right plan depends on your doctors, prescriptions, budget, and preferences. We'll help you figure it out.
That's exactly what we're here for. Let's review your options together.