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When You’re New to Medicare

You Can Expand Your
Medicare Benefits

Here are your options:

  • Replace Traditional Medicare with an Advantage Plan
  • Supplement Traditional Medicare with a Medigap Plan
  • Add Prescription Drug Coverage to Traditional Medicare with a Part D Plan

Medicare Advantage Plans

Medicare Advantage Made Easy

Medicare Advantage plans provide traditional Medicare benefits (Part A and Part B) through private insurance companies.  While the plans must comply with Medicare regulations and rules, they can have various restrictions. For example, many require you to see an in-network doctor unless you need emergency care just like standard HMO plans do.

Advantage plans may also be set up as PPO plans just like the kinds of insurance you’ve been used to, but there are other options, too.  For instance, if you have a chronic illness, are living in a nursing home, or are eligible for Medicaid, you may benefit from a Medicare Advantage Special Needs plan.

And, Advantage plans typically offer services beyond traditional Medicare. Many cover prescriptions like Part D Prescription Drug plans do, and add benefits for dental care, eyeglasses and hearing aids.  Some even offer health club benefits, and they can also limit your annual out-of-pocket costs.  With traditional Medicare, there is no limit on how much you could end up spending for Medicare’s deductibles and co-insurance or co-payments.

Because most people have several Medicare Advantage plans available where they live, please click here to arrange a consultation at no charge.  One of our licensed Personal Benefits Manager will research your options and contact you to explain your choices.  We’ll do the research first to make it quick and easy for you to compare those options.  Of course, there’s no obligation, and we only work with insurance companies that have earned high rankings for financial stability from independent rating organizations like A.M. Best.

You may also want to review our latest report about Advantage plans by clicking here.  If you do choose an Advantage plan, you have a 10-day grace period in which to cancel with the insurance company and receive a refund.  You also have a chance to switch Advantage plans each year.  Or, you may leave an Advantage plan and return to traditional Medicare during annual enrollment from October 15 through December 7.

Please join our next complementary live telephone seminar.  Click here to get your call-in information.  You can listen or call us during the question-and-answer part to talk about your concerns.

Medigap Plans

Medicare Made Easy

Medigap plans can pay the deductibles, co-insurance and co-payments that you have with traditional Medicare. For instance, Medigap plans can save you from paying the Part A deductible that’s over $1,000 per benefit period.  They can also cover you when you travel outside of the U.S.  Medicare almost never helps if you need emergency medical care in another country.

There are 10 standard types of Medigap coverage, and many states offer all 10 options. To see the plans that are available in your state, just click here to get immediate quotes.  You can also click here to see the benefits offered by different Medigap plans, which are identified by a letter.  For example, Medigap Plan F has the most comprehensive coverage available.  And, a couple of the Medigap plans limit your annual out-of-pocket costs like Advantage plans do.
We are here to answer your questions and make the process easy and hassle free, so give us a call at 1-800-913-3416 or email us at  One of our expert, friendly licensed Personal Benefits Manager will be happy to help you choose the coverage that fits your needs.  For your protection, we only represent insurance companies that independent rating organizations like A.M. Best give top ratings for financial stability.

You have a 30-day “free look” to examine your Medigap plan, so save the envelope the policy comes in and record the date you receive it.  If you return the plan to the insurance company (by certified mail with return receipt) within 30 days, all of your money will be refunded with no questions asked.

Part D Prescription Drug Plans

Like Medigap plans, Part D plans work with traditional Medicare. They offer prescription benefits similar to those available with a Medicare Advantage plan. Traditional Part A and Part B Medicare rarely covers any medication.

Since you have a choice of getting prescription benefits with either an Advantage plan or a Part D plan, we’ll be happy to help you compare both options.  Just click here to arrange for a free consultation with one of our licensed Personal Benefits Manager without any obligation.  You can be sure that we’ll only offer you plans from insurance companies that have the highest ratings for financial soundness from independent rating organizations like A.M. Best.

We’ll research what options are available where you live and make it easy for you to compare plans with our assistance.  You will also have a 10-day grace period in which you may change your mind and cancel with the insurance company to receive a refund.  And, each year, you have another chance to change to a different Part D plan or drop Part D all together.  You can also switch to an Advantage plan, with or without prescription coverage, during annual enrollment from October 15 through December 7.

MediGap Advisors is a small company and all of our Personal Benefits Manager are fanatical about giving you superior customer service.  We’ll be glad to help you compare all of your options. In fact, as one of our valued clients, you’ll have your own Personal Benefits Manager who is familiar with your situation.  You never have to deal with a phone bank with us.  And, our friendly receptionist will greet you in a way no recorded message even could.

Click here to get to know our Personal Benefits Manager.

We want to help you save money in whatever way we can. See our Additional Benefits to learn how to access wholesale prices on prescriptions and lab tests, plus some other ideas that may save you a lot of money.

"Your best asset is the peace of mind you give to us at this sort of crossroads that is age 65: knowing someone will help sort through the paperwork --even make the application for us!-- and help us form a clear picture of what types of policy we would benefit most from."

It was an excellent experience; I had used HSA for America back in 2008 to find a health plan for myself and my husband so we could retire EARLY. So the transition to MediGap Advisors was a simple one, and I used your services 18 months ago to choose my husband's Medigap and drug plans, and now for my own as I am turning 65, it was even easier.

Jim Kinert is a doll! He has been easily reachable and knew the answers to the few questions I had, and I had done considerable research on my own before realizing there were a couple things I wasn't able to find out online or from the booklets. Jim knew those answers immediately! It's so easy to use the comparison charts that Jim sent me; I cant imagine making the process any simpler.

Your best asset is the peace of mind you give to us at this sort of crossroads that is age 65: knowing someone will help sort through the paperwork --even make the application for us!-- and help us form a clear picture of what types of policy we would benefit most from.


Sharon Novak
Elizabethton, TN



A Message from Our President, Wiley Long

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1281 E. Magnolia St., Unit D #233
Fort Collins, CO 80524
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Disclaimer: Medigap Advisors is not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.