Medicare Advantage & Medigap
Choose the right Medicare plan with a broker who works for you
Confused by Medicare Advantage and Medigap?
A licensed New York Medicare broker compares your options side by side — free, unbiased, and in plain language.
No obligation · 30 minutes · English or Español
or call (888) 985-6982
THE BASICS
Medicare is a maze. We're your guide.
Original Medicare doesn't cover everything, and the gaps can be expensive. That's where Medicare Advantage and Medigap come in — two very different ways to fill them.
As a licensed Medicare broker serving New York, we sit on your side of the table. We compare Advantage and Medigap plans from multiple carriers, check that your doctors and prescriptions are covered, and explain the trade-offs in plain language.
Because carriers pay us the same standardized rate, we have no reason to push one plan over another — only the one that fits you.
Whether you're turning 65 for the first time, moving off an employer plan, or unhappy with the coverage you have now, we'll help you get it right — and keep an eye on the enrollment windows so you never miss a deadline.
The Big Decision
Medicare Advantage or Medigap?
The two main paths to fill Medicare's gaps. Here's the honest difference.
ALL-IN-ONE
Medicare Advantage
Part C — one bundled plan from a private carrier
Often low or $0 monthly premium
Usually includes dental, vision & prescriptions
Extras like fitness and over-the-counter benefits
Uses a network of doctors and hospitals
Best if: you want low premiums and all-in-one convenience
MAXIMUM FREEDOM
Medigap (Supplement)
Works alongside Original Medicare
See any doctor that accepts Medicare, nationwide
No networks and no referrals
Predictable out-of-pocket costs
Ideal if you travel or want to keep your doctors
Best if: freedom of choice and predictability matter most
Helping New York seniors and the tri-state area
Our licensed Medicare brokers serve New York, New Jersey, and Connecticut, with support in English and Spanish. The guidance is free, and the recommendation is always yours.
GOOD TO KNOW
Medicare questions, answered straight
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) bundles your coverage into one plan from a private insurer, often with dental, vision, and prescriptions for a low or $0 premium, with copays as you use care.
Medigap works alongside Original Medicare and pays the out-of-pocket costs it leaves behind, letting you see any doctor that accepts Medicare. We help you weigh which fits your health, budget, and doctors.
When can I enroll in Medicare?
Your Initial Enrollment Period runs for seven months around your 65th birthday. After that, Annual Enrollment runs every year from October 15 to December 7. Certain life events, like moving or losing coverage, open a Special Enrollment Period. We track these so you never miss one.
Does it cost anything to use a Medicare broker?
No — our help is free to you. Licensed brokers are paid by the insurance carriers, and that pay is standardized, so we have no reason to steer you toward one plan. You get unbiased guidance at no cost.
Can I keep my own doctor?
It depends on the plan. Medigap lets you see any provider that accepts Medicare, anywhere in the country. Medicare Advantage plans use networks, so we check that your doctors and hospitals are in-network before you enroll.
Do you offer help in Spanish?
Yes — we have bilingual advisors and can walk you through your Medicare options in English or Spanish.
Stop guessing about Medicare
One free conversation with a licensed broker. We compare your plans, check your doctors, and you choose with confidence.
(888) 985-6982
Protecting and building wealth for every family for over 24 years.
Call: (888) 985-6982
Email: [email protected]
Serving New York, New Jersey, Connecticut, Delaware, Virginia, North Carolina & Florida.
GET IN TOUCH
Ready to talk?
Book a free consultation, and we'll take it from there.
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