Medicare Advantage bundles your hospital, medical and often drug coverage into one plan with a network, usually at a lower monthly cost, while Medicare Supplement pairs with Original Medicare for broader coverage with fewer restrictions. Guy Jean, a U.S. Navy veteran and licensed independent agent, walks you through both options at no cost every enrollment season.
Start where you are
Guy is independent, so he is not limited to one carrier's plan lineup.
Pick the one that fits. Guy takes it from there, and the comparison costs you nothing.
Original Medicare has two parts: Part A covers hospital stays and Part B covers doctors and outpatient care. From there you add coverage, either a Part C Medicare Advantage plan that bundles everything together, or a Part D drug plan paired with a Medicare Supplement. Which route costs less depends on your doctors, your prescriptions and your budget.
Learn these four letters and the rest of Medicare stops being a maze.
Inpatient hospital stays, skilled nursing, hospice and some home health care. Most people pay no premium for Part A.
Doctor visits, outpatient care, preventive services and durable medical equipment. Part B carries a monthly premium.
A private all-in-one plan bundling Part A, Part B and usually Part D, often with dental and vision, for a low or zero premium.
Prescription coverage, either built into an Advantage plan or bought on its own to pair with Original Medicare.
Your doctors and your prescriptions decide this, not a brochure. Guy weighs the tradeoffs with you instead of steering you toward one product.
All-in-one plans that often fold in dental, vision, hearing and drug coverage, frequently at a zero-dollar monthly premium. Care runs through a network.
Pairs with Original Medicare, lets you see any provider nationwide that accepts Medicare, and pays most of the gaps that would otherwise land on you.
Standalone prescription coverage matched to the exact medications you take, so your pharmacy costs stay down alongside a Supplement.
Where the two approaches genuinely part ways, stripped of the jargon.
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Typical monthly premium | Often $0 | Low to moderate |
| See any Medicare doctor | Network based | Yes, nationwide |
| Dental, vision, hearing | Usually included | Not included |
| Prescription drug coverage | Usually built in | Add a Part D plan |
| Predictable out-of-pocket | Yearly maximum | Very few bills |
Miss a window and you can face coverage gaps or a penalty that follows you for life. These are the ones to watch.
A seven-month window: the three months before your 65th birthday month, that month, and the three months after.
Anyone can join, switch or drop an Advantage or Part D plan. Whatever you choose starts January 1.
Already in an Advantage plan? Switch to a different one or move back to Original Medicare, once.
Starts when you turn 65 and have Part B. Guaranteed acceptance on any Supplement, with no health questions.
No cost, no obligation, and never any pressure to switch.
Your doctors, your medications, your budget. It takes a couple of minutes by phone or through the form on this page.
Guy shows you the plans available in your ZIP code side by side, with the real costs spelled out, not just the premium.
Pick the plan you want and Guy handles the paperwork. He is still there next year when something changes.
Medicare Advantage bundles your hospital, medical and often drug coverage into one plan with a network, usually at a lower monthly cost. Medicare Supplement pairs with Original Medicare and covers more of your out-of-pocket costs with fewer network restrictions, usually for a higher premium.
Most people enroll during their Initial Enrollment Period around their 65th birthday. After that, the Annual Enrollment Period runs October 15 through December 7 each year for plan changes, and certain life events open a Special Enrollment Period outside that window.
No. Guy Jean is paid by the carrier, not by you, so comparing Medicare Advantage and Medicare Supplement options costs nothing out of pocket.
It depends on the plan's network. Guy Jean checks whether your current doctors and prescriptions are covered before recommending any specific plan.
Guy is paid by the carrier, so comparing plans costs you nothing.
Guy Jean will reach out shortly with your options. Prefer to talk sooner? Book a free call.