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Medicare
Navigate your healthcare coverage with confidence. Comprehensive
Medicare solutions tailored to your needs and budget.
Medicare Coverage Options
Choose the Medicare plan that best fits your healthcare needs and financial situation
MEDICARE ADVANTAGE
(PART C)
All-in-one alternative to Original Medicare with additional benefits
- Combines Parts A, B, and often D in one plan
- Often includes dental, vision, and hearing
- Annual out-of-pocket maximums for protection
- Potential $0 monthly premiums
- Coordinated care through provider networks
- Additional benefits like gym memberships
Medicare Supplement
(Medigap)
Fill the gaps in Original Medicare with standardized coverage
- Works with Original Medicare Parts A & B
- No network restrictions - see any Medicare provider
- Predictable healthcare costs
- Standardized plans (A, B, C, D, F, G, K, L, M, N)
- Guaranteed renewable
coverage - Some plans cover foreign travel emergencies
Part D Prescription
Drug Plans
Essential prescription drug coverage to lower medication costs
- Standalone plans or included in Medicare Advantage
- Covers both brand-name and generic drugs
- Protection against catastrophic drug costs
- Network pharmacies for lower costs
- Mail-order options for maintenance drugs
- Extra Help available for low-income individuals
Medicare Options Comparison
Compare key features to make an informed decision
| FEATURE | MEDICARE ADVANTAGE HMO'S | MEDICARE SUPPLEMENT | MEDICARE ADVANTAGE PPO'S |
|---|---|---|---|
| Works With | Medicare Part A and B required | Supplements Original Medicare | Medicare Part A and B required |
| Monthly Premium | Often $0 depending on your service area | $50-$300+ | Often $0 depending plan and service area |
| Provider Network | Must use in-network providers unless emergency or urgent care is needed. | Any Medicare provider | Can use out of network providers at a higher cost share. |
| Out-of-Pocket Max (MOOP) | Yes (varies by plan) | Most Medicare Supplement (Medigap) plans do not have a maximum out-of-pocket limit | May have in-network and out of network MOOP amounts. |
| Prescription Drugs | Often included | Separate Part D needed | Often Included |
| Additional Benefits | Dental, Vision, Hearing and more available. | Limited | Dental, Vision, Hearing and more available. |
| Travel Coverage | Yes: Varies by plan | Nationwide + some foreign | Yes: Varies by plan |
Important Enrollment Periods
Know when you can enroll or make changes to your Medicare coverage
Annual Open Enrollment
October 15 - December 7
Switch Medicare Advantage plans or return to Original Medicare
Medicare Advantage Open Enrollment
January 1 - March 31
Switch Medicare Advantage plans or return to Original Medicare
Initial Enrollment Period
7-month period around 65th birthday
First opportunity to enroll in Medicare when turning 65
Special Enrollment Periods
Various qualifying events
Life changes like moving or losing employer coverage
Ready to Find Your Ideal Medicare Plan?
Don't navigate Medicare alone. Our experts are here to help you understand your options and find the perfect coverage for your needs and budget.
Medicare Disclaimer: "We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 60 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options."
Federal Contracting Statement: Nexus Insurance Brokerage is not affiliated with the U.S. government or the federal Medicare program. Enrollment in any plan depends on contract renewal.
Accessibility Statement: For accommodations of persons with special needs at meetings, call (813) 590-0124 (TTY 711).
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