Compare Part D, Medicare Advantage, and Supplement plans side-by-side. Licensed agents help you maximize benefits and avoid penalties — at no cost to you.
Medicare provides essential health coverage. With Parts A, B, C, D, and Medigap options, we help you navigate enrollment, avoid late penalties, and choose the right combination based on your doctors, prescriptions, and travel habits.
Most people qualify for premium-free Part A. Our agents compare costs and benefits across top carriers — at zero cost to you.
✔ Initial Enrollment: 7 months around your 65th birthday
✔ Annual Open Enrollment: Oct 15 – Dec 7
✔ Medicare Advantage often includes dental, vision, hearing
✔ Part D prevents prescription drug gaps
✔ Medigap reduces out-of-pocket costs
Each part covers specific services — we help you find the right mix.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health. Most people get premium-free Part A.
Doctor visits, outpatient care, medical supplies, and preventive services. Standard premium applies (income-adjusted).
All-in-one alternative to Original Medicare. Often includes Part D, dental, vision, fitness benefits. Private insurance plans.
Helps cover cost of prescription medications. Offered by private insurers; avoid late enrollment penalty.
Medigap policies fill "gaps" in Original Medicare — covering copayments, coinsurance, and deductibles. Standardized plans (A-N) offered by private insurers. Great for those who travel or want predictable out-of-pocket costs.
✅ Works with Medicare Parts A & B
✅ No networks — any doctor who accepts Medicare
✅ Guaranteed issue rights in certain windows
Medicare Advantage (Part C) offers all-in-one coverage with max out-of-pocket limits. Many include extra benefits like dental, eyeglasses, and gym memberships. Original Medicare + Medigap gives more flexibility nationwide but may have higher premiums.
We compare both based on your doctors, prescriptions, and travel habits — free personalized analysis.
rely on Medicare for health security.
by comparing Part D plans each year.
Aetna, Humana, UnitedHealthcare, BCBS & more.
Many Medicare Advantage plans have $0 monthly premium.
Don't miss deadlines — we help you avoid penalties.
| Enrollment period | Timing | What you can do |
|---|---|---|
| Initial Enrollment (IEP) | 7 months around 65th birthday | Sign up for Part A, B, C, D |
| Annual Open (AEP) | Oct 15 – Dec 7 | Switch Advantage plans, add/drop Part D |
| Advantage Open Enrollment | Jan 1 – Mar 31 | Switch Advantage plans or return to Original Medicare |
| Special Enrollment (SEP) | Varies | Life events: moving, losing employer coverage |
We analyze your prescriptions, doctors, and budget to find plans that reduce drug costs and offer better coverage. Many beneficiaries overpay by staying in the same plan year after year.
✓ Free Part D review can save hundreds annually
✓ $0 premium Advantage plans with dental/vision
✓ Medigap plans that lower surprise medical bills
Licensed Medicare advisors — never a cost to you. We're compensated by carriers, never by clients.
Contact us at info@hsservies.com
