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There is Original Medicare or Medicare Advantage. They are very different:

PATH  #1 -  HIGHER COVERAGE - Original Medicare, Parts A & B, with a Medicare Supplement (aka Medigap) and a Part D Prescription Drug Plan. You will have Nationwide access to ANY Doctor and ANY Hospital who accepts Medicare (which is 98%). You will pay separately for Dental and Vision Care. You will have the highest level of coverage possible, but you will pay a higher premium every month.

PATH #2 -  LOWER COST - Medicare Advantage (Part C), You still have to maintain Medicare Parts A & B, but your coverage will come through the Insurance Carier (such as Humana or United Health or other) sponsoring the Medicare Advantage Plan, Typically, it will include your Part D Prescription Plan and typically some Dental and Vision coverage.  In most cases, you will pay $0 Monthly premium to the Medicare Advantage Plan (you have to continue Medicare Part B, which is $185 per month in 2025). You will have a lower cost per month but subject to higher Cost-sharing and an Max Out-of-pocket of $8,000 to $9,000 per month if you get sick or have a serious accident.

We provide a wide range of insurance solutions in Wilmington, NC and nationwide, including health, dental, Medicare, retirement, and business insurance planning to help you secure your future.

Our financial experts assess your needs, budget, and preferences to recommend the best insurance plans tailored to you or your business.

We help you create a solid financial strategy, covering income planning, investment options, and risk management, so you can retire with confidence.

Yes! We offer business insurance planning services in Wilmington, NC and nationwide, to protect your company, covering employee benefits, liability insurance, and other essential safeguards.

Simply reach out to us for a consultation! We’ll discuss your needs, compare plans, and guide you toward the best coverage options.