(866) 615-7250
Understand Your Medicare Options, Then Choose With Confidence
A licensed agent compares Medicare Advantage and Medicare Supplement plans for you at no cost, then stays available to help for as long as you have coverage.
Call (866) 615-7250Speak with a licensed agent. No cost, no obligation.
What Is Medicare?
Medicare is the federal health insurance program for people age 65 and older, and for some younger people with qualifying disabilities. It is made up of several parts, and you can combine them in different ways depending on what you need.
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people pay no premium for Part A if they or a spouse paid Medicare taxes long enough while working.
Medical Insurance
Covers doctor visits, outpatient care, preventive services, lab work, and durable medical equipment. Part B has a monthly premium and an annual deductible, and you typically pay a share of the cost for covered services.
Medicare Advantage
An alternative to Original Medicare offered by private carriers. Advantage plans bundle Part A and Part B, and often add prescription drug coverage plus extras such as dental, vision, and hearing. Plan types include HMO, PPO, PFFS, and SNP.
Prescription Drug Coverage
Helps cover the cost of prescription medications. Part D is sold by private carriers, either as a standalone plan alongside Original Medicare or built into a Medicare Advantage plan.
Medigap Plans
Medicare Supplement plans work alongside Original Medicare to help pay costs that Part A and Part B do not cover, such as copayments, coinsurance, and deductibles. Supplement plans are labeled by letter, and the same lettered plan offers the same core benefits no matter which carrier sells it. Supplement plans do not include prescription drug coverage, so many people pair one with a standalone Part D plan.
Eligibility And Enrollment
Who Is Eligible
Most people become eligible for Medicare at age 65, but there are other paths to coverage. If you already receive Social Security benefits, you are generally enrolled in Part A and Part B automatically.
- Age 65 or older, and a citizen or permanent legal resident who has lived in the United States for at least 5 years
- Under 65 with a qualifying disability, generally after 24 months of Social Security Disability Insurance
- Any age with End-Stage Renal Disease or ALS
When You Can Enroll
Medicare has set windows for joining, switching, or dropping coverage. Missing a window can mean waiting, and in some cases a late enrollment penalty, so it helps to know which one applies to you.
- Initial Enrollment Period: the 7 months starting 3 months before the month you turn 65 and ending 3 months after
- Annual Enrollment Period: October 15 to December 7 each year, for coverage starting the following January
- Medicare Advantage Open Enrollment: January 1 to March 31 each year
- Special Enrollment Periods: triggered by certain life events, such as moving or losing employer coverage
What You Can Expect To Pay
Costs depend on which parts and plans you choose, where you live, and the carrier. Premiums and deductibles change from year to year, so a licensed agent can walk you through current figures for the plans available in your area.
- Part A: most people pay no premium, though a deductible applies to each benefit period
- Part B: a monthly premium and an annual deductible, then a share of covered costs
- Part C: varies by plan and area, and plans include an annual out-of-pocket maximum
- Part D: varies by plan and by the medications you take
How We Help You With Medicare
Help At No Cost To You
Comparing Medicare Advantage and Medicare Supplement plans costs you nothing. Carriers pay our agents when you enroll, so our help never costs you anything.
Lifetime Help From The Agent
The same licensed agent stays available to you for as long as you have coverage, so you are never starting over with someone new.
Plans From Carriers You Know
We compare Medicare Advantage and Medicare Supplement plans from carriers such as Aetna, Humana, UnitedHealthcare, Wellcare, Cigna, and Mutual of Omaha.
How It Works
Call And Talk It Through
A licensed agent asks about your doctors, your medications, and your budget, then walks you through the Medicare options that fit.
Compare Real Plans
We compare Medicare Advantage and Medicare Supplement plans from multiple carriers in your area, and explain the differences clearly.
Enroll With Confidence
When you have chosen a plan, we help you complete enrollment and make sure you understand what your coverage includes.
Get Lifetime Support
Your agent stays available for questions, plan reviews, and changes, for as long as you have coverage, at no cost to you.
Why People Choose Complete Family Protection
Complete Family Protection is an independent insurance agency based in Lehi, Utah. Because we are independent, we are not tied to a single insurance company. We compare Medicare Advantage and Medicare Supplement plans from carriers such as Aetna, Humana, UnitedHealthcare, Wellcare, Cigna, and Mutual of Omaha to find coverage that fits your needs.
When you work with us, you get lifetime help from a licensed agent, at no cost to you. We do not charge for our help. Instead, carriers pay us when you enroll in a plan, so comparing your options never costs you anything.
Complete Family Protection is a licensed, independent agency and is not connected with or endorsed by the United States government, Medicare, or any other government agency. We do not offer every plan available in your area.
Not Sure Where To Start?
You do not need to know the difference between Advantage and Supplement before you call. That is what we are here for.
A licensed agent will walk you through it.
(866) 615-7250Medicare Carriers We Work With
We do not offer every plan available in your area. Carrier and plan availability vary by service area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Common Questions
What Is The Difference Between Medicare Advantage And Medicare Supplement?
Medicare Advantage plans combine your hospital, medical, and often prescription drug coverage into one plan through a private carrier. Medicare Supplement plans work alongside Original Medicare to help cover costs like copays and deductibles. A licensed agent can help you compare both to see which fits your situation.
When Can I Enroll In A Medicare Plan?
Medicare has specific enrollment periods each year, including the Initial Enrollment Period around your 65th birthday, the Annual Enrollment Period from October 15 to December 7, and Special Enrollment Periods tied to certain life events. A licensed agent can walk you through the enrollment period that applies to your situation.
What Will I Pay Out Of Pocket?
Out of pocket costs vary by plan and by area, and can include premiums, copays, and deductibles. Because these figures change from year to year, a licensed agent can give you current numbers for the plans available where you live, before you enroll.
Do I Have To Take Part B If I Am Still Working?
It depends on the coverage you have through your employer and the size of that employer. Some people delay Part B without a penalty, and others do not. A licensed agent can review your situation so you do not end up with a gap or a late penalty.
How Does Complete Family Protection Compare Plans For Me?
We review Medicare Advantage and Medicare Supplement plans from multiple carriers in your area and explain the differences clearly, so you can choose the coverage that fits your needs.
Is This Really At No Cost To Me?
Yes. Licensed agents are paid by the insurance carriers, not by you. Comparing plans and getting help enrolling costs you nothing.
Medicare TPMO Compliance Statement
Complete Family Protection is not connected with or endorsed by any government entity or the federal Medicare program. Complete Family Protection represents Medicare Advantage HMO, PPO, and PFFS organizations, as well as standalone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. We have access to plan information nationwide and can help you search among many options, but we do not offer every plan available in your area. We search and recommend plans even when we do not directly offer them. Contact a licensed Complete Family Protection agent to find out the number of products available in your specific area. You may also contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.