Independent Medicare Broker
Personal guidance on Parts A, B, C & D, Medicare Advantage, and Medigap — from a licensed broker who works for you, not the insurance companies. It never costs you a penny.
Sarah Jenkins(800) 555-0199Four letters. One decision. We'll walk it together.
Your broker
Independent Medicare Broker, CLTC
I'm an independent, licensed Medicare broker. I compare plans from many top-rated carriers to find coverage that fits your doctors, your prescriptions, and your budget — at no cost to you.
The alphabet of Medicare
Original Medicare is Parts A and B. Part C is a private all-in-one alternative, and Part D covers prescriptions. Here's the plain-English breakdown.
Your room-and-board coverage
Your doctor-and-outpatient coverage
A private alternative to A + B
Helps pay for prescriptions
Medicare Advantage — Part C
Medicare Advantage plans replace Original Medicare with a single plan from a private, Medicare-approved company. They must cover everything Parts A and B cover — and most add prescription drugs, dental, vision, and hearing, often for a $0 additional premium.
The trade-off: you generally use the plan's network of doctors and hospitals.
Why people choose it
What to watch for
Medicare Supplement — Medigap
Medigap plans work alongside Original Medicare (Parts A and B), paying most of the deductibles and 20% coinsurance Medicare leaves behind. You keep the freedom to see any doctor in the country who accepts Medicare — no networks, no referrals.
Plans are standardized by letter (A through N), so a Plan G from one company covers the same things as a Plan G from another; only the price and service differ.
Why people choose it
What to watch for
The question everyone asks
Both approaches can provide valuable coverage. The right fit depends on your doctors, budget, travel, and how you prefer to pay for care.
| Consideration | Original Medicare + Medigap | Medicare Advantage (Part C) |
|---|---|---|
| Monthly premium | Higher (pays for predictability) | Lower, often $0 extra |
| Doctor choice | Any Medicare provider, nationwide | Plan network (HMO/PPO) |
| Out-of-pocket costs | Minimal & predictable with suitable coverage | Copays as you go, with an annual max |
| Extra benefits | Rarely included | Dental, vision, hearing, fitness may be included |
| Drug coverage | Separate Part D plan needed | Usually built in |
| Travel coverage | Broad access to Medicare providers nationwide | Routine care generally follows the plan network |
| Referrals | Usually not required | Depends on the plan |
This is a general comparison, not a guarantee of benefits or costs. Coverage, eligibility, provider access, and plan rules vary. Review the official plan documents before enrolling.
Free, no-obligation help
Leave your name, phone number, and email — Sarah will reach out within one business day to answer your questions and compare your options. No pressure, no cost, no obligation.
Tell me a little about yourself and I'll be in touch.