When should I enroll in Medicare?

Your Initial Enrollment Period generally begins 3 months before you turn 65, includes your birthday month, and continues for 3 months after your birthday month. If you are still working and covered by qualifying group health coverage based on current employment, you may qualify for a Special Enrollment Period. Your enrollment timing depends on your circumstances.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private Medicare-approved plan and may include prescription drug coverage and additional benefits. Medicare Supplement insurance, also called Medigap, works with Original Medicare to help pay certain Medicare cost-sharing expenses. The two types of coverage work differently and may fit different healthcare and financial needs.

Do I have to pay for Kidwell Insurance Services?

There is no direct fee to clients for our insurance guidance and enrollment assistance. Insurance carriers generally compensate licensed agents when a client enrolls in a plan they represent. Carrier compensation does not increase the plan's premium.

Can I switch Medicare plans?

Depending on your circumstances, you may be able to change Medicare coverage during certain enrollment periods. The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Medicare Advantage enrollees may also have certain opportunities to make changes during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other Special Enrollment Periods may apply.

What if my doctors are not in the plan's network?

Before enrolling in a Medicare Advantage plan, it is important to verify that your doctors, hospitals, and other healthcare providers participate in the specific plan's network. Network rules vary by plan. Medicare Supplement insurance works with Original Medicare, which generally allows you to see any doctor or hospital that accepts Medicare, subject to Medicare's rules.

Exploring Medicare Advantage Insurance Benefits

Compare Medicare Advantage plans that combine healthcare coverage, prescription benefits, and additional wellness features in one convenient plan.

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Smiling woman with gray braids sits at a table, pondering Medicare Advantage Insurance as she sips coffee beside her laptop.

What Is Medicare Advantage Insurance?

Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide an alternative to Original Medicare.

Many Medicare Advantage plans include:

Hospital coverage
Medical coverage
Prescription drug coverage
Dental benefits
Vision benefits
Hearing coverage
Fitness programs

These all-in-one plans are designed to simplify healthcare coverage while helping members manage costs.

What Do Medicare Advantage Plans Cover?

Coverage varies by carrier and plan type, but many plans include:

Medicare Part A and Part B coverage
Prescription drug coverage
Preventive care services
Specialist visits
Hospital services
Telehealth services
Dental, vision, and hearing benefits
Wellness and fitness memberships

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Why Many Seniors Choose Medicare Advantage?

Lower monthly premiums
Bundled healthcare benefits
Prescription drug coverage included
Additional wellness programs
Annual out-of-pocket maximum protection

Types of Medicare Advantage Plans

HMO Plans

Health Maintenance Organization plans typically require provider networks and referrals for specialists.

PPO Plans

Preferred Provider Organization plans offer more flexibility when choosing doctors and specialists.

Special Needs Plans (SNPs)

Designed for individuals with certain chronic conditions or healthcare needs.

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Medicare Advantage Prescription Drug Coverage

Many Medicare Advantage plans include:
Medicare Part D Prescription Drug Plans

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Prescription Drug Reviews

We help clients:

Review medication formularies
Compare pharmacy networks
Estimate prescription costs
Evaluate total healthcare expenses

Medicare Advantage vs Medicare Supplement

Medicare Advantage

Often lower premiums

Includes additional benefits

Network-based plans

Prescription coverage often included

Medicare Supplement

Higher monthly premiums

Focuses on gap coverage

Broad provider access

Requires separate Part D plan

Frequently Asked Questions

Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and schedule an appointment.

Common enrollment periods include:
- Initial Enrollment Period (IEP)
- Annual Enrollment Period (AEP)
- Medicare Advantage Open Enrollment Period
- Personalized Medicare guidance
- Carrier comparisons from multiple companies
- Local Medicare support
- Prescription cost reviews
- Doctor and hospital network checks
- Ongoing annual plan evaluations
They provide an alternative way to receive Medicare benefits through private insurance companies approved by Medicare.
Many plans include prescription drug coverage.
That depends on the plan network. We help verify provider participation before enrollment.
Many Medicare Advantage plans include additional benefits not covered by Original Medicare.