Medicare, made human
Advantage or Supplement? What's Part D? Why is your mailbox full of plan ads? One licensed agent, one honest walkthrough, zero pressure — that's the whole offer.
First, the truth
Medicare itself is straightforward. What’s confusing is the industry around it — the mailers, the celebrity commercials, the “free” everything. Our job is simpler: sit with you, look at your doctors, your prescriptions, and your budget, and lay out the real trade-offs without the jargon.
The agent who helps you enroll is the one who picks up next year. That’s the same promise we make every family we cover — it doesn’t expire at 65.
The whole landscape
The bundle.
One private plan that replaces how you get Original Medicare — usually with drug coverage built in, often with dental, vision, or hearing extras, often with a $0 premium. The trade: you use the plan's network and its rules.
Usually fits: People who like one card, one plan, and lower monthly costs — and whose doctors are in network.
The open road.
Keep Original Medicare, see nearly any doctor in the country who takes it, and add a Supplement that picks up most of what Medicare doesn't pay. The trade: a real monthly premium, and you add a separate Part D drug plan.
Usually fits: People who travel, split the year between states, or want the widest choice of doctors with predictable bills.
The must-check.
Drug coverage — built into most Advantage plans, or bought as a standalone plan next to Original Medicare. Every plan covers different drugs at different pharmacies for different prices. This is where we earn our keep: we check your exact list.
Usually fits: Everyone on Medicare should have drug coverage sorted — even if you take nothing today, enrolling late can mean a lifelong penalty.
Turning 65?
Your Initial Enrollment Period starts three months before your 65th-birthday month and runs three months after it. Start early — coverage can begin the month you turn 65, with no gap.
Months around your 65th-birthday month.
The Medigap golden window: for six months after you enroll in Part B at 65, Supplement plans can’t turn you down or charge more for your health history. It doesn’t come back.
Still working at 65? If you have solid employer coverage, you may be able to wait without penalty. It depends on the details — a ten-minute call sorts it out.
Every fall, from October 15 to December 7, you can switch plans for the next year. Plans change; your health changes. One honest review each year keeps you in the right one — and if you’re already in it, we’ll say so.
We’re licensed to sell Medicare Advantage, Medicare Supplement, and Part D plans from carriers we’re appointed with. We’re paid by the carriers, the same either way — so the plan we recommend is the one that fits your doctors, your prescriptions, and your budget.
Start with a conversation.
Ten minutes. Your doctors, your prescriptions, your priorities. We’ll tell you which path actually fits — and put real plans side by side.
Licensed agents · No cost to you · No obligation
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
CoverageCo (The Coverage Company) is not connected with or endorsed by the United States government or the federal Medicare program.