Medicare
Medicare made plain English.
Turning 65, already enrolled, or helping a parent figure it out. We walk through Advantage, Medigap, and Part D side by side so you know exactly what you have and exactly what changes if you switch.
What we cover
- Medicare Advantage plan comparisons across every carrier we write
- Medigap supplement plan reviews (Plan G, Plan N, and more)
- Part D prescription drug coverage matched to your medications
- Annual Election Period (Oct 15 to Dec 7) plan checks
- Medicare Advantage Open Enrollment (Jan 1 to Mar 31) switches
- Special Enrollment Period help for moves, job changes, and Extra Help
Why people call us
- 1.Independent. We shop the market, not one carrier.
- 2.Local. Real Pittsburgh agents, real conversations.
- 3.Free. Our service costs you nothing. Carriers pay us.
Ready to talk?
(412) 953-2830Medicare Advantage vs. Medigap
Medicare Advantage rolls Parts A, B, and usually D into one private plan, often with extras like dental, vision, and a fitness benefit. Medigap pairs with Original Medicare to cover most of the deductibles and coinsurance you would otherwise pay. Which one fits depends on your health, your doctors, your prescriptions, and how much predictability you want.
- Advantage: lower premiums, network restrictions, varies by zip code
- Medigap: predictable costs, see any Medicare provider nationwide
- Most people fit clearly into one or the other. We will tell you which.
Part D, demystified
Part D is the prescription side of Medicare. Every plan has a different formulary, which is a fancy word for the list of drugs it covers. The cheapest premium often costs you the most at the pharmacy. We run your actual medication list through every plan to find the one that costs you the least over a full year.
AEP is the main event
From October 15 to December 7, almost anyone on Medicare can change plans. This is the window where carriers compete for your business with new benefits, new pricing, and new formularies. A 30-minute review during AEP can mean hundreds of dollars in savings every year going forward.
Carriers we work with
The Medicare carriers we shop.
We compare benefits, networks, drug formularies, and out-of-pocket costs across each of these carriers before recommending a plan.
Medicare
9 carriersCommon questions
Things people ask before their first call.
No. Medicare brokers are paid by the carrier when you enroll. You pay the same monthly premium whether you sign up on Medicare.gov or through us, except with us you get a real person who shops the market and stays in your corner all year.
Ready when you are
The first call is free. The second one usually is too.
Whether you are turning 65, between jobs, or rethinking retirement, we will walk through your options without any pressure to enroll.