Medicare Advantage · Medigap · Part D
Medicare Plans, Explained in Plain English
Turning 65, retiring, or reviewing your coverage before Annual Enrollment? A licensed agent will help you compare Medicare Advantage, Medicare Supplement and Part D plans — at no cost to you.
- Annual Enrollment: Oct 15 – Dec 7
- Doctors & drugs checked
- No-cost guidance
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
Medicare made simple
Navigating Medicare can be confusing and time-consuming — but it doesn't have to be. American Medical Plans helps people turning 65, current beneficiaries and those under 65 with qualifying disabilities understand their options and choose coverage with confidence. Whether you're new to Medicare or reviewing your plan before Annual Enrollment, we're your resource for education, enrollment and ongoing support.
The parts of Medicare, explained
Medicare is a federal health insurance program primarily for people 65 or older. It also covers younger people with certain disabilities or End-Stage Renal Disease (ESRD). Understanding each part is the first step:
- Part A (Hospital Insurance): inpatient hospital care, skilled nursing facility care, hospice and some home health services.
- Part B (Medical Insurance): doctor visits, outpatient care, preventive services and some home health care.
- Part C (Medicare Advantage): an alternative to Original Medicare offered by private insurers, often including prescription, dental and vision benefits.
- Part D (Prescription Drug Coverage): helps pay for prescription medications through private plans.
How we help with Medicare
Personalized consultations
We learn your doctors, prescriptions, budget and travel habits, then recommend plan types that fit your health and financial goals.
Unbiased plan comparisons
We compare Medicare Advantage, Medicare Supplement (Medigap) and Part D plans from the carriers we represent in your area, and we're not tied to any one insurer.
Medicare Supplement guidance
If you prefer Original Medicare, we'll help you choose a Medigap policy to fill gaps like deductibles, coinsurance and copays.
On-time, correct enrollment
We help you enroll during the right window to avoid penalties and coverage gaps.
Year-round service
We help with claims and coverage questions, and review your plan every year as your needs change.
Medicare disclaimer: We do not offer every plan available in your area. Currently we represent ## organizations which offer ## products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Don't miss your window
Medicare enrollment periods
Missing a deadline can mean penalties or a gap in coverage. We'll make sure you enroll on time.
| Enrollment period | When | What you can do |
|---|---|---|
| Initial Enrollment Period | 7 months around your 65th birthday | First chance to sign up for Parts A, B and D |
| Annual Enrollment Period | October 15 – December 7 | Switch Medicare Advantage or Part D plans, or return to Original Medicare |
| Medicare Advantage Open Enrollment | January 1 – March 31 | Switch Advantage plans or return to Original Medicare once |
| Special Enrollment Periods | Varies by situation | Moving, retiring, or losing employer coverage |
Why choose us
Why people trust American Medical Plans with Medicare
Experience you can rely on
Our licensed agents keep up with changing Medicare rules and carrier offerings so you don't have to.
Trusted, independent advisors
We're an independent agency, and we're always a phone call away.
No-cost Medicare help
You never pay a fee for our guidance or enrollment help.
We speak Medicare
We translate the jargon into plain English so you can decide with confidence.
FAQ
Common Medicare questions
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) replaces Original Medicare with a private plan that often bundles drug, dental and vision coverage, usually with a provider network. A Medicare Supplement (Medigap) policy works alongside Original Medicare to help pay deductibles, coinsurance and copays, and generally lets you see any provider that accepts Medicare.
Am I eligible for Medicare?
Most people become eligible at 65. You may qualify earlier if you've received Social Security Disability benefits for 24 months or have End-Stage Renal Disease (ESRD) or ALS.
When should I enroll in Medicare?
Your Initial Enrollment Period is seven months long: it starts three months before the month you turn 65, includes your birthday month and ends three months after. Enrolling late can trigger lifelong penalties, so it's worth planning ahead.
Can I change my Medicare plan during Open Enrollment?
Yes. During the Annual Enrollment Period, October 15 through December 7, you can switch Medicare Advantage or Part D plans or return to Original Medicare. Changes take effect January 1.
Does Medicare cover prescriptions, dental or vision?
Original Medicare covers very little routine dental or vision care and doesn't include most outpatient prescriptions. Part D plans cover prescriptions, and many Medicare Advantage plans include drug, dental and vision benefits.
Does it cost anything to get help from you?
No. Our Medicare guidance is free. We're compensated by the insurance companies when you enroll, and you won't pay more by working with us.
Your health. Your plan. Your peace of mind.
Speak with a licensed Medicare agent and compare plans from the carriers we represent.