Skip to content
Bundle VillageAgent login

Medicare

Advantage plans, Supplements (Medigap), and Part D prescription coverage

Medicare starts at 65 for most people, and it's more complicated than it looks. Original Medicare (Parts A and B) covers hospital and medical care, but leaves gaps — no cap on what you can spend, and no prescription coverage. You fill those gaps one of two ways.

A Medicare Advantage plan

replaces Original Medicare with a private plan that usually bundles drugs and extras like dental or vision, often at low or no monthly premium — but with a network and copays.

A Medicare Supplement

keeps Original Medicare and pays the gaps, letting you see any doctor who takes Medicare, but costs more monthly and needs a separate drug plan.

Who needs it

  • Anyone turning 65 in the next six months
  • People working past 65 deciding whether to delay enrolment
  • Anyone unhappy with their current Advantage plan
  • People on Medicare due to disability
  • Anyone helping a parent through the decision

Questions worth asking

  • Are my doctors in this plan's network, and is that likely to change?
  • Are all my prescriptions on the formulary, and at what tier?
  • If I choose Advantage now, can I switch to a Supplement later — and will I have to pass underwriting?
  • What are my costs in a bad year, not a normal one?

Worth knowing

The mistake people make: not understanding the one-way door. In most states you can move from a Supplement to Advantage freely, but going back may require passing medical underwriting. That decision at 65 can be hard to undo at 75. Ask about it before you choose.

Medicare specialists in the Village

12 verified agents. You pick one, and only that agent contacts you.

See all 12 Medicare agents →

Where the Village can write Medicare

36 states covered so far. Pick yours to see who can actually write there.