Medicare Advantage & Supplement Plans
Turning 65 and confused about Medicare?
Navigate Medicare with confidence with Callie Navrides, a Certified Medicare Advisor.
parts of medicare
Your Medicare Coverage Options
There are four key parts to Medicare and each one covers different healthcare needs. Knowing how they work together is the first step to choosing the right coverage for your needs!
Original Medicare Parts A & B
The foundation of your Medicare coverage. Part A covers hospital stays; Part B covers doctor visits, outpatient care, and preventive services. No referrals required, and it’s accepted virtually everywhere in the U.S.
Know before you enroll:
- No prescription drug coverage (You’ll need a separate Part D plan)
- No out-of-pocket maximum
- Part A deductible: $1,736 per benefit period (2026)
- Part B deductible: $283/year (2026), then 20% coinsurance on all services
- Most people pair Original Medicare with a Medigap plan to cap their exposure
Medicare Advantage Plans Part C
One plan. One premium. Everything bundled. Medicare Advantage replaces Original Medicare through a private insurer and typically includes drug coverage plus extras like dental, vision, hearing, and gym memberships.
What you get:
- All Part A and Part B benefits
- Prescription drug coverage (most plans)
- Added perks: dental, vision, hearing, wellness programs
Best fit if you:
- Want a lower monthly premium
- Prefer having all your coverage in one place
- Are comfortable staying within a provider network
Medicare Supplement (Medigap)
Original Medicare leaves gaps. Medigap closes them. These plans pay the costs Medicare doesn’t: deductibles, copays, and coinsurance, so you know exactly what to expect every month.
What it covers:
- Part A coinsurance and extended hospital costs
- Part B coinsurance and copayments
- First 3 pints of blood
- Part A hospice care coinsurance
Best fit if you:
- Want predictable, capped healthcare costs
- Travel frequently (no network restrictions; covered anywhere Medicare is accepted)
- See specialists often or have ongoing health needs
Prescription Drug Coverage Part D
Don’t leave your prescriptions unprotected. Part D plans are offered through private insurers and cover both brand-name and generic drugs at participating pharmacies — including mail-order for maintenance medications.
What it covers:
Brand-name and generic prescriptions
Vaccines and immunizations (may fall under Part B or D)
Mail-order options for ongoing medications
Coverage across three phases: deductible → initial coverage → catastrophic
Don’t overlook this:
- Every plan has its own formulary (list of covered drugs)
- Costs vary significantly depending on your medications
- Late enrollment penalty: 1% per month for every month you delay without creditable coverage
- Plans can change annually (reviewing at Open Enrollment every year is essential)
Who we help with Medicare
Medicare guidance for every stage of your journey. Whether you’re turning 65 and new to Medicare, or you have been on it for a decade and would like a FREE Medicare plan review!
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Turning 65 and new to Medicare
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Moving to Georgia or another state I serve
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Confused by Annual Enrollment notices
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Retiring before 65 and losing employer coverage
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Unhappy with current Medicare plan
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Need help comparing plan options
Our Medicare Expertise
As a Certified Medicare Advisor, Callie specializes in:
- Initial Medicare enrollment guidance
- Medicare Advantage plan comparisons
- Prescription drug plan optimization
- Medicare star ratings & plan quality
- Annual Enrollment Period (AEP) reviews
- Medigap policy selection
- Understanding ANOC letters & plan changes
- Special Enrollment Periods (SEPs)
Why Work With Callie
Choosing the wrong Medicare coverage can cost you thousands. The right plan should cover your doctors, cover your prescriptions, and fit your budget!
Callie will help you make this decision with confidence! During your Medicare consultation, she will:
- Review your current doctors and prescriptions
- Compare plans side-by-side
- Calculate your total annual costs (not just premiums)
- Understand enrollment deadlines and penalties
- Navigate plan changes during Annual Enrollment
Callie will make sure you understand exactly what you’re getting, before you sign anything.
Medicare resources
Recent Medicare Education Content
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