Coverage

Medicare

Medicare is the federal health insurance program for people 65 and older and some younger people with qualifying conditions. Picking a path through Original Medicare, Medicare Advantage, Supplement (Medigap), and Part D is the biggest Medicare decision most people make.

Original Medicare (Parts A and B) covers hospital and outpatient care, with deductibles and coinsurance that have no annual out-of-pocket cap. Most people pair Original Medicare with a Medicare Supplement (Medigap) policy to cover those gaps, and a Part D prescription drug plan to cover medications. The alternative path is a Medicare Advantage plan (Part C), which bundles hospital, outpatient, and usually prescription coverage into a single plan from a private carrier.

The right path depends on your health, your medications, your providers, and your travel pattern. Medigap gives maximum provider flexibility and predictable gap coverage; Advantage typically has lower premiums and extra benefits but a defined network and an annual out-of-pocket cap. Neither is universally "better" — the right answer varies.

We help you compare across carriers available in your area, run the specific list of your medications through each plan's formulary, and confirm your doctors are in-network before you enroll. Medicare rules allow one-time changes during certain enrollment windows, and some choices (like Supplement) have medical underwriting outside a one-time guaranteed-issue window — so timing matters.

Who it typically fits

People approaching 65 or already enrolled in Medicare.
Clients with qualifying disabilities under 65 who are eligible for Medicare.
Retirees who want independent help comparing Advantage and Supplement options.
Current Medicare enrollees weighing a change during Annual Enrollment or an eligible Special Enrollment Period.

Frequently asked questions

Can I switch from Medicare Advantage to a Medicare Supplement later?+

You can, but outside the one-time guaranteed-issue window after turning 65, Supplement enrollment may require medical underwriting. We walk through the timing before you choose.

Do you charge me to help with Medicare?+

No. Independent agents are compensated by the carrier when a plan is enrolled. Our help is free to you.

How do I know my doctor is in the plan's network?+

We check it live, by name, before you enroll. For Advantage plans we also check whether your doctor is in a tier that affects your copay.

What if my prescriptions change next year?+

Part D and Advantage plans publish updated formularies each year. We review them with you during Annual Enrollment (October 15 to December 7) so you can switch plans if your current one no longer fits.

Are you affiliated with Medicare?+

No. Moving Mountains Advisors is an independent insurance agency. We are not affiliated with the federal government or Medicare.

Important Medicare disclaimer: 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 or 1-800-MEDICARE to get information on all of your options. We are not affiliated with or endorsed by the United States government or the federal Medicare program.

Moving Mountains Advisors does not guarantee approval, rates, or outcomes. Insurance product features vary by carrier, state, age, and health. All examples above are educational and not an offer of coverage.