Medicare Choices

Medicare Part A & Medicare Part B (Original Medicare)

  • You may choose to buy a Medicare Supplement (also called Medigap) policy through a private insurance company to help pay costs associated with Original Medicare. With this choice, you have a 6-month period called ‘Open Enrollment’, beginning with the date that you first enroll in Part B, where you cannot be denied insurance because of your medical conditions.
  • You need to decide if you want a Part D Prescription Drug Plan through a private insurance company.

Medicare Part C (Advantage Plan)

  • This plan is through a private insurance company. It combines services such as, doctor visits, outpatient surgery, lab tests and hospital stays.
  • Most Advantage Plans include Part D Prescription Drug coverage.

*Additional Benefits

Vision and hearing benefits are sometimes included as well as a health club fitness membership at participating facilities. You may be able to purchase a dental plan for an additional cost. Check with your plan on all of these details.

With this choice, you will have an Annual Enrollment Period from October 15th through December 7th each year. This period allows you to change your current Medicare Advantage Plan, Part D Prescription Drug Plan, or drop your Medicare Supplement Plan to join an Advantage Plan.


"I started working with Rebecca 3 years ago when I turned 65 and needed to make decisions about my secondary insurance. She was very helpful in helping me understand all the various plans and to make an intelligent decision as to the best coverage for my needs based on both my health needs and my financial status. She provided quick and genuine support when there were issues regarding coverage and also claim questions. If I have questions, she is quick to respond either by phone and or email. Rebecca is easy to talk to and makes you feel very comfortable discussing at times very personal issues. I have and will continue to refer family and friends to Rebecca for their insurance needs."
- Anita*