10/15/2025
📢 Medicare Open Enrollment Starts Today - Let's Clear Up the Confusion
Every year around this time, you'll see posts saying "Medicare Advantage is terrible" or "only get a supplement plan."
Here's the truth: there's no one-size-fits-all answer. The best Medicare option depends on YOUR situation.
We help people every day find the right coverage. Let's break down your options in plain English:
🏥 Original Medicare (Parts A & B)
This is the government program that covers hospital stays and doctor visits. But it has some serious gaps:
No limit on what you pay out-of-pocket
You pay 20% of most medical bills with no cap
Doesn't cover prescriptions, dental, vision, or hearing
The upside?
You can see any doctor in the country who takes Medicare
💊 Medicare Supplement (Medigap)
These private plans work alongside Original Medicare to cover most of your out-of-pocket costs.
See any Medicare doctor nationwide
Predictable, low out-of-pocket costs
The catch? Higher monthly premiums (often $150-300+), and you'll need a separate prescription drug plan
Best for: People who want total freedom to choose doctors and don't mind paying more each month
💚 Medicare Advantage
These plans replace Original Medicare and usually include prescription coverage plus extras like dental, vision, and hearing.
Many plans cost $0-50/month
Every plan has a cap on what you'll pay out-of-pocket (Original Medicare doesn't have this)
Often includes extras: gym membership, dental cleanings, vision care, even grocery allowances
The catch? You usually need to use network doctors and may need referrals for specialists
Best for: People who want comprehensive coverage at a lower monthly cost and don't mind staying in-network
🤔 So Which Should You Choose?
It depends on:
Your doctors and whether they're in a plan's network
Your prescriptions and health needs
Your budget
Whether you travel frequently
The complaints you hear about Medicare Advantage often come from people who picked the wrong plan for their needs. That's why reviewing your options every year matters.
📞 How Can We Help?
For individuals: Need help choosing the right Medicare plan? We'll review your doctors, medications, and budget at no cost to you.
For healthcare professionals: Are you a doctor, nurse, pharmacist, or home health provider? We can help your patients understand their coverage options and find plans that work with your practice.
📅 Open Enrollment runs October 15 - December 7. Changes take effect January 1st.
We look at your situation and help you find what actually works for YOU. Our service is completely free - we're paid by the insurance companies, not by you.
Ready to talk?
Call us at 205-652-7022 or send us a message.
Let's find coverage that fits your life.
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