Every Medicare Option, One Conversation
Choosing the right Medicare plan means sorting through plan types, carrier names, and coverage details that rarely explain themselves clearly. I help you compare Medicare plans across every major structure — Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans — so you can make a confident decision without having to figure it out alone.
How Medicare Is Actually Structured
Original Medicare — Parts A and B — covers hospital and medical services, but it leaves real gaps: deductibles, coinsurance, and no cap on out-of-pocket costs. Most people add coverage to fill those gaps. The question is which approach fits your doctors, your prescriptions, your budget, and how you use healthcare.
There are three main directions:
Already on Medicare but worried about the gaps? Hospital indemnity, cancer, heart attack and stroke plans, and final expense coverage can fill the spaces Medicare Advantage leaves behind. I'll show you what's worth it and what isn't.
Looking for Add-On Coverage
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare, offered by private insurers. Most plans include prescription drug coverage and often add dental, vision, and hearing benefits. You stay within a plan network.
Medicare Supplement (Medigap) + Part D
You keep Original Medicare and add a Medigap policy to cover cost-sharing gaps, plus a standalone Part D plan for prescription drugs. More predictable costs, broader provider access, and no network restrictions.
Part D Standalone Plans
Prescription drug coverage added to Original Medicare or used alongside a Medigap policy. Plans vary significantly in formularies and cost-sharing — the right one depends entirely on your specific medications.
Why Comparing Plans Through an Independent Broker Matters
I'm not contracted with a single carrier. I work with multiple insurance companies, which means I can show you options side by side rather than steering you toward the one plan I happen to sell.
Before I recommend anything, I check your current doctors against each plan's network and run your prescriptions against each plan's formulary. What looks like the lowest-premium plan can turn out to be the most expensive one once your medications are factored in. I do that work before you enroll — not after you get your first pharmacy bill.
There's no cost to you for this. My compensation comes from the carrier, and your premium is identical whether you enroll through me or call the carrier directly.
Explore Each Plan Type in Detail
The sections below go deeper on each option. If you already know which type you're researching, start there. If you're not sure yet, the comparison page walks through the trade-offs directly.
Medicare Advantage
All-in-one coverage through private insurers — often with $0 premiums, network-based care, and added benefits like dental and vision.
Medicare Supplement (Medigap)
Standardized plans that fill Original Medicare's cost-sharing gaps, with no network restrictions and predictable out-of-pocket costs.
Medicare Part D
Standalone prescription drug plans that vary widely by formulary, tier structure, and pharmacy network. The right plan depends on your specific medications.
Medicare Advantage vs. Medigap
Not sure which structure fits your life? This comparison breaks down the trade-offs by cost, flexibility, travel, and healthcare use.
My services cost you nothing. Your premium is the same whether you enroll through me or on your own.
Who I Help With Medicare Plan Comparisons
Most people I work with fall into one of two situations. If you're turning 65 soon, you're in your Initial Enrollment Period — a seven-month window that starts three months before your birthday month. Missing it or making the wrong choice inside it can have lasting consequences. If you're leaving or losing employer coverage, you have an eight-month Special Enrollment Period to act, and the rules are different than what most people assume.
I work with clients across Missouri and Illinois — including the St. Louis metro, St. Charles County, and Metro East Illinois — and I'm licensed in Iowa, Ohio, Michigan, Louisiana, Texas, Florida, and Maine. Nearly all of my work is done virtually, so geography is rarely a barrier.
Common Questions About Comparing Medicare Plans
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with an all-in-one plan through a private insurer, usually with a network of providers and often including drug coverage. Medicare Supplement works alongside Original Medicare to cover cost-sharing gaps — no networks, broader provider access, and more predictable costs. Which one fits better depends on your doctors, how often you travel, and your budget.
Does it cost more to use a broker to compare Medicare plans?
No. My compensation comes from the insurance carrier, not from you. Your premium is the same whether you enroll through me or go directly to the carrier. The difference is that I do the comparison work — checking your doctors and prescriptions against each plan — before you commit.
How do I know if my medications are covered under a Medicare plan?
Each Part D and Medicare Advantage plan has a formulary — a list of covered drugs organized by cost tier. I check your specific prescriptions against each plan's formulary before recommending anything, so you know what your costs will look like at the pharmacy before you enroll.
Can I switch Medicare plans after I enroll?
In most cases, yes — but the rules depend on which type of plan you have, when you enrolled, and what's changed in your situation. Medicare Advantage and Part D plans can typically be changed during the Annual Enrollment Period each fall. Medigap switching rules in Missouri and Illinois have specific conditions that differ from federal defaults, and getting this wrong can affect your ability to change plans later.
What if I'm not sure which type of Medicare plan is right for me?
That's exactly what the free consultation is for. I ask about your doctors, your prescriptions, how you use healthcare, and your budget — then I walk you through the options that make sense for your situation. You don't need to know the answer before we talk.
Do you help with Medicare plans in states other than Missouri and Illinois?
Yes. I'm licensed in nine states: Missouri, Illinois, Iowa, Ohio, Michigan, Louisiana, Texas, Florida, and Maine. Almost all of my client work is done virtually, so location is rarely a limitation.
Ready to Compare Plans Without the Guesswork?
A free 15-minute call is enough to start narrowing down your options. I'll ask the right questions, check your doctors and medications against available plans, and give you a clear picture of what fits — and what doesn't.