Medicare Plan Information & Comparison
Understanding your Medicare options shouldn't be complicated. We help seniors explore Medicare Advantage plans, extra benefits, and coverage choices — all at no cost to you.
Medicare Basics
Medicare is the federal health insurance program for people 65 and older, and for some younger people with certain disabilities. Here's a quick overview of how the different parts work.
Hospital insurance. Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working.
Medical insurance. Covers certain doctors' services, outpatient care, medical supplies, and preventive services. Part B requires a monthly premium. Together, Parts A and B make up "Original Medicare."
Prescription drug coverage. Offered by private companies approved by Medicare. Helps cover the cost of prescription drugs. Plans vary in what drugs they cover and how much you pay.
An alternative to Original Medicare offered by private insurers. These plans must cover everything Original Medicare covers, and many offer additional benefits like dental, vision, and hearing. Availability varies by location.
Sold by private companies to help fill "gaps" in Original Medicare coverage — such as copayments, coinsurance, and deductibles. Medigap policies work alongside Original Medicare, not Medicare Advantage.
When you can enroll in or change Medicare plans depends on your situation. Key periods include your Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period (Oct 15 – Dec 7), and Special Enrollment Periods for qualifying life events.
Plan Options
Medicare Advantage plans are offered by private insurance companies and may include benefits beyond Original Medicare. Benefits, premiums, and availability vary by plan and location.
Some Medicare Advantage plans offer supplemental benefits that Original Medicare does not cover. These benefits are provided by private insurance carriers — not the government — and vary by plan, location, and year.
While not all plans offer all benefits, and availability is not guaranteed, common supplemental benefits offered by some plans may include:
Benefit availability, amounts, and qualifying rules vary by plan and are subject to change annually. Not all plans offer all benefits. Not all plans are available in all areas.
Choosing between Original Medicare and a Medicare Advantage plan is one of the most important decisions you'll make about your healthcare coverage. Here's a general overview of the key differences.
This comparison is general in nature. Always review specific plan details and consult a licensed insurance professional before making enrollment decisions.
How It Works
Our process is simple, free, and completely without obligation. We connect you with licensed insurance agents who can walk you through plans available in your area.
Contact us through this site or call the number listed on the contact page to get started.
A licensed insurance agent will learn about your coverage needs, doctors, and prescriptions.
Your agent will walk you through plans available in your ZIP code and explain the differences.
There is never any pressure. Enroll only if a plan is the right fit for your specific needs.
Common Questions
Answers to common questions about Medicare, this website, and how the plan comparison process works.
No. Senior Benefit Access (seniorbenefitaccess.org) is an independent Medicare marketing company. It is not connected with, endorsed by, or affiliated with the U.S. government, CMS, Medicare.gov, the Social Security Administration, Medicaid, or any government agency. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
No. Using this website and speaking with a licensed agent is completely free. We are compensated by insurance companies when eligible consumers enroll in a plan — this does not affect your premium or plan benefits in any way.
Medicare Advantage (Part C) is a type of Medicare health plan offered by private companies that contract with Medicare. These plans cover everything Original Medicare covers and may include additional benefits. They are regulated by CMS but administered by private insurers.
No. Supplemental benefits like grocery allowances, dental, vision, and OTC item allowances are offered by some Medicare Advantage plans — not by the government. Availability, amounts, and rules vary by plan, location, and year. There is no guarantee that any specific benefit will be available to you.
Absolutely not. All consultations are free and carry no obligation. You are never required to enroll in any plan. An agent's role is to help you understand your options so you can make an informed decision on your own terms.
We represent a selection of plans, but not every plan in your area. To see all available options, visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or contact your local State Health Insurance Assistance Program (SHIP) for free, unbiased counseling.
Enrollment is generally limited to specific periods: the Annual Enrollment Period (Oct 15 – Dec 7), the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31), your Initial Enrollment Period (around your 65th birthday), or a Special Enrollment Period if you qualify. A licensed agent can help you determine your specific window.
If you submit your contact information through this site or call us, you may be contacted by a licensed insurance agent by phone, text, or email. You can opt out of communications at any time. See our Privacy Policy for details.