Medicare has dozens of plan options and most people have no idea which one is right for them. Answer 10 quick questions and A licensed agent will personally call you within 24 hours with a free side-by-side plan comparison.
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Our team reviews your profile and pulls available plans in your area
You receive a free side-by-side plan comparison customized for you
No-pressure call — you decide if and when to move forward
Medicare has 4 parts and dozens of plan options. Here's what you need to know — in plain English.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people get Part A premium-free if they've worked 10+ years.
Most people pay $0 premiumCovers doctor visits, outpatient care, preventive services, and medical equipment. Part B has a monthly premium ($174.70 in 2024 for most people).
$174.70/mo standard premiumPrivate insurance plans that replace Original Medicare. Often include dental, vision, hearing, and prescription drugs — sometimes at $0 premium. The most popular choice for new enrollees.
Often $0 premium availableStandalone drug coverage added to Original Medicare or Medigap. Covers most prescription medications at your local pharmacy. Critical if you take regular medications.
Avoid the late enrollment penaltyPrivate plans that pay the gaps Original Medicare doesn't cover — like deductibles, copays, and coinsurance. Plan G is the most comprehensive option available today.
Plan G covers almost everythingOriginal Medicare does NOT cover dental, vision, or hearing. Many Medicare Advantage plans include these. Standalone dental and vision plans are also available at low cost.
Often included in Advantage plansThe most common question our clients ask: "Which is better — Medicare Advantage or Medigap?" Here's the honest answer.
Both are excellent options — the right choice depends entirely on your health, budget, and lifestyle.
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Monthly Premium | Often $0 | $100–$300+/month |
| Network Restrictions | Usually in-network only | Any Medicare provider |
| Dental/Vision/Hearing | Often included | Not included |
| Out-of-Pocket Maximum | Yes — capped annually | Very low with Plan G |
| Prescription Drug Coverage | Usually included | Need separate Part D plan |
| Referrals Required | Sometimes (HMO plans) | Never |
| Best For | Budget-conscious, healthy | Those wanting maximum freedom |
Turning 65 can feel overwhelming. Here's what clients say after working with our licensed agents.
"I had no idea there were so many options. The team at Clarity Benefits went through everything step by step and made it completely simple. I ended up with a $0 premium plan that covers my doctors and my prescriptions."
"I was on my employer plan and had no idea how Medicare worked. My agent explained everything clearly, compared my options, and helped me enroll without any stress. I wish I'd called sooner."
"My plan wasn't covering my specialist and I was paying way too much. Clarity Benefits switched me to a better plan during open enrollment and cut my costs in half. No pressure, just real help."