Hospital Insurance
Helps cover inpatient hospital care, skilled nursing facility care, hospice and certain home health services.
Medicare plan options
Understand your Medicare paths before choosing a plan.
Compare Medicare Advantage, Medigap (Medicare Supplement) and Part D around your doctors, prescriptions, budget and lifestyle.
IndependentMultiple carriers reviewed
PersonalWork directly with Justin
LocalFort Lauderdale-based
Year-roundOngoing client support
Medicare A, B, C and D
Start by understanding the parts of Medicare.
Each part covers something different. Parts A and B form Original Medicare; Parts C and D are offered through private Medicare-approved insurance companies.
Medical Insurance
Helps cover physician services, outpatient care, preventive care, medical equipment and certain medical services.
Medicare Advantage
A private-plan alternative for receiving Part A and Part B benefits. Many plans also include Part D coverage.
Prescription Drug Coverage
Helps cover prescription medications through a standalone drug plan or many Medicare Advantage plans.
Original Medicare does not cover 100% of healthcare costs.
After the annual Part B deductible, Medicare generally pays 80% of the Medicare-approved amount for most covered Part B services, leaving you responsible for the remaining 20%. Part A has separate deductibles and cost-sharing. That is why the next decision matters: keep Original Medicare and add Medigap plus Part D, or receive your Part A and Part B benefits through Medicare Advantage (Part C), which often includes Part D.
Your two primary coverage paths
After Parts A and B, decide how you want to receive coverage.
This is the central Medicare decision. Medigap and Medicare Advantage are different paths and are not used together.
Path 1 · Keep Original Medicare
Original Medicare + Medigap + Part D
Original Medicare remains primary. A Medigap (Medicare Supplement) policy can help with certain remaining medical costs, and a standalone Part D plan provides prescription coverage.
- Use providers nationwide who accept Medicare
- Separate Medigap and Part D policies
- Premiums and coverage vary by plan and location
Path 2 · Choose a private Medicare plan
Medicare Advantage (Part C)
A private plan provides your Part A and Part B benefits. Many Medicare Advantage plans include Part D coverage and may offer additional benefits.
- HMO, PPO and Special Needs plan types may be available
- Provider networks and plan rules vary
- Copays and maximum out-of-pocket limits vary
At-a-glance comparison
How the primary coverage paths differ.
| Consideration | Original Medicare + Medigap | Medicare Advantage |
|---|---|---|
| How you receive benefits | Original Medicare remains primary; Medigap helps with certain remaining costs. | A private plan provides your Medicare Part A and Part B benefits. |
| Provider access | Generally any provider nationwide who accepts Medicare. | Provider networks and plan rules vary by plan type and service area. |
| Prescription coverage | A separate Part D plan is typically selected. | Many plans include Part D coverage. |
| Costs | Usually includes a separate Medigap premium and Part D premium. | Premiums, copays, deductibles and maximum out-of-pocket limits vary. |
| Additional benefits | Coverage focuses on costs associated with Original Medicare. | Some plans may include additional benefits; availability and limits vary. |
This is a general overview. Benefits, costs, networks, eligibility and plan availability vary by plan and location.
Medicare Advantage plan types
Understand the letters inside Part C.
Medicare Advantage plans can be organized differently. These common abbreviations help explain how provider access and eligibility may work.
Health Maintenance Organization
Generally uses a defined provider network and may require a primary care provider or referrals.
Preferred Provider Organization
Uses a preferred network while generally allowing out-of-network care at a different cost.
Chronic Condition Special Needs Plan
A Medicare Advantage plan designed for people who meet specific chronic-condition eligibility requirements.
Dual Eligible Special Needs Plan
A Medicare Advantage plan for people who qualify for both Medicare and Medicaid.
What matters most
A good recommendation starts with your actual healthcare.
The plan name or monthly premium alone does not tell you how coverage will work for you.
Your doctors
Are your preferred doctors and hospitals available under the coverage you are considering?
Your prescriptions
How does each plan cover your medications at the pharmacies you prefer?
Your budget
Do you prefer a higher monthly premium with more predictable costs, or lower premiums with costs as care is used?
Your travel
Do you receive care in more than one state or spend extended time away from home?
Personal Medicare guidance
You do not have to compare everything alone.
Justin reviews your doctors, prescriptions, pharmacy, budget, location and enrollment timing before helping you compare available Medicare coverage.
MedigapRx is based in Fort Lauderdale and provides personal Medicare guidance in Florida and additional licensed states. After enrollment, Justin remains available for questions and future plan reviews.
Talk With JustinCommon questions
Medicare plan basics, answered clearly.
Do I need both Medicare Advantage and a Medicare Supplement?
No. Medicare Advantage and Medigap are different coverage paths. A Medicare Supplement works with Original Medicare, while Medicare Advantage is another way to receive your Medicare benefits.
Does Original Medicare include prescription drug coverage?
Original Medicare generally does not include routine outpatient prescription drug coverage. Many people add a standalone Part D plan, while many Medicare Advantage plans include Part D coverage.
Is the lowest monthly premium always the best choice?
Not necessarily. Provider access, prescription costs, copays, deductibles and yearly out-of-pocket exposure can all affect the total value of a plan.
Can MedigapRx review my current Medicare coverage?
Yes. Justin can review your doctors, prescriptions, pharmacy, current coverage and location to help you understand whether another available option may better fit your needs.
Your next step
Find the Medicare path that fits your needs.
Start with a personal review of your doctors, prescriptions, budget and enrollment timing.