Free, unbiased Medicare help from licensed advisors who compare 30+ carriers for you. No pressure, no cost — just clear answers so you can choose the plan that actually fits your life.
Medicare is built from four parts. Here's a plain-language look at what each one does — and how they fit together.
Covers inpatient care and skilled facilities.
Covers doctors, outpatient care and prevention.
All-in-one plans from private carriers.
Helps cover the cost of medications.
Tell us about your doctors, medications and budget. It takes just a few minutes.
A licensed advisor lines up plans from 30+ carriers side by side — no sales pressure.
We handle the paperwork and stay with you all year long for questions and changes.
We work for you — never for the insurance companies.
— The CoverageGuidance PromiseOur service never costs you a dollar — carriers pay us, you never do.
Every advisor is state-licensed, certified and trained on this year's plans.
We're independent, so you see the whole market — not one company's shelf.
Your doctors, your prescriptions, your budget — matched to plans that fit.
We don't disappear after enrollment — we're here whenever things change.
Two very different paths. Here's how they stack up on the things people ask about most.
| Feature | Original Medicare | Medicare Advantage |
|---|---|---|
| Monthly Premium | Part B premium | Varies (often $0) |
| Provider Choice | Any Medicare provider | Network based |
| Prescription Coverage | Add Part D | Usually included |
| Dental & Vision | Not included | Often included |
| Out-of-Pocket Limit | No cap | Annual cap |
| Referrals Needed | Not required | Varies by plan |
Want the official details? Visit Medicare.gov.
Miss the window and you may have to wait a full year to change your coverage. Let's get it sorted now.
"I had no idea where to start. My advisor walked me through everything twice and never once rushed me. I saved real money and kept my own doctor."
"Totally free and genuinely unbiased. They compared a dozen plans, showed me the tradeoffs honestly, and let me decide. That's rare."
"My prescriptions were the whole problem. They found a Part D plan that covered every single one. Still check in with me every year."
Yes — 100% free, always. Insurance carriers compensate us when someone enrolls, so you never pay a fee for our help, and your plan premium is exactly the same either way.
Your Initial Enrollment Period runs for seven months around your 65th birthday. Annual Open Enrollment runs October 15 to December 7, and certain life events can open a Special Enrollment Period.
Medigap supplements Original Medicare by covering costs like deductibles and coinsurance. Medicare Advantage (Part C) replaces Original Medicare with an all-in-one private plan. You can have one or the other — not both.
Often, yes. Original Medicare works with any provider that accepts Medicare. Advantage plans use networks, so we check your specific doctors against each plan's network before you decide.
Formularies change every year and so do medications. We review your drug list each Open Enrollment to make sure your plan still covers everything at the best possible cost.
No. CoverageGuidance is an independent, private insurance resource and is not affiliated with Medicare or any government agency. For official program information, visit Medicare.gov.
One conversation with a licensed advisor can save you money and a whole lot of confusion. It costs nothing to find out.
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