Whether you're turning 65 or reviewing the plan you have, a local agent can help you understand your options and compare plans side by side.
Two ways to get started. Both are free, and you can call us at any point.
Answer a few questions about your coverage, doctors, and prescriptions. We'll line up the plans that fit and help you enroll.
Start my Medicare quoteBrowse Medicare Advantage and prescription drug plans in your ZIP code, check your medications, and enroll online.
Open the plan comparison toolMedicare can feel like learning a new language. Here's the short version.
Part A covers hospital stays, skilled nursing, and hospice. Part B covers doctor visits, outpatient care, lab work, and preventive services. Most people pay a monthly Part B premium, and Original Medicare has deductibles and 20% coinsurance with no yearly cap on what you spend.
An all-in-one plan from a private carrier that replaces A and B. Many include drug coverage, dental, vision, hearing, and fitness benefits, and some have a $0 monthly premium.
Stand-alone drug coverage that pairs with Original Medicare or a Supplement. We'll compare what your specific prescriptions cost on each plan.
Helps pay the costs Original Medicare leaves behind, and lets you see any provider that accepts Medicare nationwide. A strong fit if you travel.
If your plan's extra benefits are limited, a separate dental or vision policy can fill in. See ancillary plans.
Seven months: the three months before your birthday month, the month itself, and the three months after. Start early to avoid a gap.
Anyone on Medicare can switch Advantage or Part D plans. Changes start January 1.
If you're in an Advantage plan, you can switch to another one or go back to Original Medicare once.
Losing employer coverage, moving, or qualifying for Extra Help can also open a Special Enrollment Period. Call us and we'll check your timing.
Everyone's situation is different: health, income, and lifestyle all matter. Start with a free review. We'll walk you through Parts A and B, how and when to enroll, and which plan types make sense for you.
Usually yes. If you go without creditable drug coverage when you're first eligible, Medicare adds a permanent late enrollment penalty to your Part D premium later. Many Medicare Advantage plans include drug coverage along with dental, vision, and fitness benefits.
Your spouse can look at Marketplace or private individual plans until they turn 65. We can quote both of you at the same time. See individual plans.
A Medicare Supplement plan lets you see any doctor in the U.S. that accepts Medicare, and some plans include foreign travel emergency coverage.
Yes. Dual Special Needs Plans (D-SNPs) are built for people with both, often with extra benefits. Call us to see what's available in your county.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Thrive Insurance Advisors is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, benefits, and premiums vary by county and carrier.