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Welcome Back
This page is for you if you're already enrolled in Medicare A and B — whether you have a Medicare Advantage plan or a Medicare Supplement (Medigap) policy in effect right now, this page is about making sure it's still the right one.
Medicare Plan Quiz
Is your plan type still the right fit?
Nine quick questions to confirm your current choice, or show you what to bring up at your review.
- See whether Advantage or Medigap fits how you use care today
- Compare what each type costs and covers
- About two minutes, with nothing to fill out
- Bring your result to your free annual review
Are you on Medicaid or receive any type of state assistance?
Here's what most people don't realize: your plan can change anytime, and you don't have to wait until October to make a change. If you are on a Medigap plan, you will experience rate increases. A Medigap premium that felt reasonable at 65 might feel steep at 72.
If you are on a Medicare Advantage plan, your carrier can adjust networks, drug prices, increase out-of-pocket costs, and reduce benefits annually. A Medicare Advantage plan that was a great fit last year might look very different by the following year.
That's why we recommend reviewing your plan annually, even if you're completely happy with your current plan. This page walks you through your Medicare options and how to make those changes if you see fit.
Where are you today?
I have Medicare A & B only
Original Medicare alone has no out-of-pocket maximum. Let's look at what filling the gaps would cost you.
Learn moreI have a Medicare Supplement (Medigap)
Same letter = same benefits, by law. If your premium has crept up, you may be overpaying for identical coverage.
Learn moreI have a Medicare Advantage plan (Part C)
Carriers can change networks, drug tiers, and benefits every year. Your ANOC letter tells you what's changing. We'll help you read it.
Learn moreIs Your Advantage Plan Still the Right Fit?
Medicare Advantage plans are approved by Medicare every year, and carriers are allowed to change nearly every detail of the plan for the following plan year. None of this requires your consent — which is exactly why a review matters.
Deep dives: how to read your ANOC letter and the 2027 Annual Enrollment Period guide.
What to Check Every Year
Network: Are your doctors, specialists, and preferred hospital still in-network? Networks shrink more often than people expect.
Formulary: Are your prescriptions still covered, and at the same tier? A medication moving up a tier can significantly raise your cost.
Star rating: Has your plan's quality rating dropped? A falling rating can be an early signal of service or coverage issues.
Out-of-pocket maximum: This cap can increase year to year, changing your worst-case financial exposure.
Extra benefits: Dental, vision, hearing, and OTC allowances are often the first things carriers trim or restructure.
Referral and prior authorization rules: Some plans add new requirements for services that were previously unrestricted.
Your ANOC letter arrived and something changed? Bring it to a free review. We'll translate it.
Switching From Advantage to Supplement
Choosing the right Medicare coverage is not one-size-fits-all. The best plan depends on your health, finances, lifestyle, and the doctors you want to keep. Use this page and the information presented today to help inform your decision.
Questions to Ask Yourself
- Do I have specific doctors I want to keep? Medigap lets you see any Medicare provider. Advantage may require you to stay in-network.
- How often do I use medical care? Frequent users often benefit more from Medigap's predictable costs.
- Do I travel frequently? Medigap works nationwide. Most Advantage plans are regionally restricted.
- What's my budget? Advantage often has lower premiums but higher out-of-pocket exposure when you need care.
- Am I okay with taking risk? By opting for Medicare Advantage you risk not being able to see your doctors, having claims denied, and not being able to obtain a Medigap plan in the future.
See the full side-by-side comparison on our Medicare Advantage page, or read how Medigap works.
Common Questions from Current Enrollees
It's possible — carriers must give advance notice if a provider leaves the network. This is one more reason to check your ANOC and confirm your doctors each fall.
Your Next Step
A yearly review takes less time than most people expect — and it's the only way to know for certain whether your current plan is still your best option. As independent brokers, we work with all insurance carriers and offer all Medicare plans available. Our allegiance is to you and not the insurance company.
Know what you have
Know which insurance carrier, plan type, and premium amount if on a Medicare Supplement.
Schedule your free review
Call in anytime, or schedule a specific time to meet with one of our Licensed Medicare Advisors — we'll walk through your coverage options.
Compare your options, no obligation
If a better fit exists — whether that means another Advantage plan or a lower-priced Medigap carrier — we'll show you exactly what changes and what it costs.
When did you last make your plan prove itself?
A 30-minute review each year keeps your coverage and your premium honest.
Mon–Fri 8am–8pm ET · Sat by appointment