Independent Medicare Broker
Medicare,
explained in
plain English.
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.
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Medicare at a glanceFour parts. A clearer path.
Four letters. One decision. We'll walk it together.
Independent guidance. Your needs come first.Parts A, B, C & D · Advantage · Medigap
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✓ Licensed & VerifiedIndependent Medicare Broker
Your broker
Hi, I'm Michael Dovsky.
Independent Medicare Broker
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.
No cost for my help — carriers pay me directly, and your premium stays the same.
The alphabet of Medicare
Parts A, B, C & D — what each one actually does
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.
Part A
Hospital Insurance
Your room-and-board coverage
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health care
- $0 premium for most people (40+ work quarters)
- $1,736 deductible per benefit period (2026)
- $434/day for hospital days 61–90; $868/day for lifetime reserve days
- $217/day for skilled nursing facility days 21–100
Part B
Medical Insurance
Your doctor-and-outpatient coverage
- Doctor visits & specialists
- Outpatient care & lab work
- Preventive screenings
- Durable medical equipment
- $202.90/month standard premium (2026); higher premiums may apply based on income
- $283 annual deductible (2026)
- Typically 20% coinsurance after deductible
Part C
Medicare Advantage
An all-in-one private alternative
- Bundles Parts A & B (usually D too)
- Often adds dental, vision & hearing
- Annual out-of-pocket maximum
- Network-based care (HMO / PPO)
- Many plans have $0 additional plan premium
- You still pay the Part B premium ($202.90/month standard in 2026)
- Copays and annual out-of-pocket limits vary by plan
Part D
Prescription Drug Coverage
Your pharmacy-counter coverage
- Retail & mail-order prescriptions
- Formulary tiers set your copay
- Standalone plan or built into Part C
- Catastrophic coverage protection
- Monthly premiums vary by plan and may be higher based on income
- 2026 deductible is up to $615; covered-drug out-of-pocket costs are capped at $2,100
- Late-enrollment penalty may apply if you delay without creditable coverage
Medicare Advantage — Part C
All-in-one plans from private insurers
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
- ✓Low or $0 additional monthly premium
- ✓Annual cap on out-of-pocket spending
- ✓Often includes dental, vision, hearing & fitness
- ✓Usually bundles Part D drug coverage
- ✓One card, one plan, one company
What to watch for
- Provider networks (HMO/PPO) limit your doctors
- Prior authorization for some services
- Plans can change benefits every year
- Out-of-network care can be costly or uncovered
Plan benefits, provider networks, premiums, and availability vary by county and plan. Check details before enrolling.
Medicare Supplement — Medigap
Fill the gaps in Original Medicare
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
- ✓See any doctor in the U.S. who accepts Medicare
- ✓Very predictable, low out-of-pocket costs
- ✓No referrals or prior authorizations
- ✓Standardized plans (A–N); Plan G is popular
- ✓Guaranteed renewable for life
What to watch for
- Higher monthly premium on top of Part B
- No dental, vision or hearing extras
- No drug coverage — pair with Part D
- Medical underwriting may apply after your initial window
Plan GPlan NPlan AOther available letters
Explore Medigap plans
The question everyone asks
Medigap + Original Medicare vs Medicare Advantage
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.
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