Understanding your plan benefits can help you get the most out of your plan.

Plan coverage and costs may change from year to year, and your health care needs could change, too. So you might want to change your Medicare plan as well.


This is the Annual Change period to choose your coverage for next year. The coverage will begin on January 1st. The Annual Enrollment Period (AEP) gives you a chance to switch to a different Medicare Part A & B plan. You cannot change from Original Medicare to a Medicare Advantage plan at this time.

What changes can you make during Annual Open Enrollment?
  • Change from Original Medicare (Parts A and B) to a Medicare Advantage (Part C) plan or vice versa
  • Switch from one Medicare Advantage plan to a different Medicare Advantage plan
  • Join, switch, or drop a Medicare prescription drug (Part D) plan

There may be other decisions to make if you change from a Medicare Advantage plan to Original Medicare. You may want to add a stand-alone prescription drug plan since drug coverage is not provided with Original Medicare. You also might consider adding a Medicare supplement insurance plan to help with some costs that Original Medicare doesn’t pay, like deductibles, co-pays and co-insurance.

Open Enrollment Period:

Medicare Open Enrollment Period gives you a chance to switch to a different Medicare Advantage plan with or without drug coverage. This is also a chance to switch back to Original Medicare and add a supplement plan and a stand-alone drug plan.

If you miss Medicare Annual Enrollment, you may have to wait until the following year to change plans, unless you qualify for a Special Enrollment Period (SEP), which allows you to join, change or drop a Medicare Advantage (Part C) or prescription drug (Part D) plan outside of Medicare Annual Enrollment in certain situations, known as “qualifying events”, such as:

    •   You’re moving outside your current Medicare plan’s service area
    •   You’re moving within your current plan’s service area, but you have new plan options
    •   You’re moving into or out of an institution
    •   You’re leaving retiree or union coverage
    •   You’re losing creditable drug coverage
    •   Your current Medicare plan stops servicing your area

Original Medicare
(Part A and Part B)

Original Medicare is managed by the Federal Government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accept Medicare. It does not cover 100% of your medical cost or prescription drugs. Additional coverage will be needed.

Part B Enrollment: It’s your key to additional coverage.

If you are already receiving Social Security you will automatically be enrolled in Medicare Part B. Otherwise you will have to submit an enrollment application in person at your local Social Security office or Online at

Enroll Here:
Already too much? Contact us and we can help you through the process.

Hospital Insurance

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
  • Part of Original Medicare

Medical Insurance

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Many preventative services
  • Part of Original Medicare

Medicare Advantage and Medigap
(Part C and Part D)

Part C or Medicare Advantage (MA), is additional coverage that is administered by private health insurance companies. Most MA plans include Part D Prescription drug coverage at no extra cost, they are referred to as MAPD plans.

Why would I enroll in Part C or D?

Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. They also may offer extra benefits Original Medicare doesn’t cover.

There are a lot of choices when it comes to Medicare. Contact us for professional help, or feel free to window shop through Medicare Value. Simply click the button below and enter your zip code to compare available plans in your area.

Parts A & B required to enroll

  • Plans may have lower out-of-pocket costs than Original Medicare
  • Have yearly out-of-pocket maximums for medical services
  • Usually includes Medicare prescription drug coverage (Part D)
  • Most plans offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more

Prescription Drug Coverage

  • Helps cover the cost of prescription drugs
  • Required by CMS to avoid a late enrollment penalty
  • Help lower out of pocket prescription drug costs when compared to retail drug cost

Schedule Your Complementary Consultation

We offer the following safe and sanitary meeting options:
Privacy Settings
We use cookies to enhance your experience while using our website. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We also use content and scripts from third parties that may use tracking technologies. You can selectively provide your consent below to allow such third party embeds. For complete information about the cookies we use, data we collect and how we process them, please check our Privacy Policy
Consent to display content from Youtube
Consent to display content from Vimeo
Google Maps
Consent to display content from Google
Consent to display content from Spotify
Sound Cloud
Consent to display content from Sound