Parts A and B leave roughly 20% of your hospital and doctor bills uncovered — with no out-of-pocket cap. Meet Med Coverage shows you the gaps in plain language and the Medigap, Advantage, Part D, and DVH plans that close them.
Estimated share of a typical hospital + doctor episode.
Medicare plans compared from 40+ leading carriers
Every plan we recommend is benchmarked against the same question: does this actually cover what Original Medicare doesn’t — and is it priced fairly for the long haul?
Pairs with Original Medicare to cover the ~20% Parts A and B leave behind — deductibles, copays, coinsurance — with predictable monthly premiums and freedom to see any Medicare-accepting doctor.
An all-in-one alternative to Original Medicare that bundles hospital, doctor, and usually Part D drug coverage — often with extras like dental, vision, hearing, and a yearly out-of-pocket cap.
Stand-alone Medicare drug coverage that pairs with Original Medicare or a Medigap plan. We compare formularies, pharmacy networks, and total annual cost — not just monthly premium.
Original Medicare doesn't cover routine dental, vision, or hearing — the costs that hit you the most often. Stand-alone DVH plans fill that gap with predictable benefits.
Reliable coverage for healthy adults still a few years away from Medicare eligibility — ACA marketplace plans, off-exchange options, and short-term bridges between jobs.
Working past 65 or covering employees who are? We help individuals coordinate group coverage with Medicare, and help small employers think through Medicare-friendly group setups.
Whether you’re years from Medicare, three months from your IEP, or three years in and wondering if you’re still in the right plan — we’ve done this thousands of times.
Still a few years from 65 and need a bridge plan that hands cleanly off to Medicare when your Initial Enrollment Period opens.
Your 7-month IEP is the most important Medicare decision you’ll make. We help you sequence Parts A, B, D, and a supplement without triggering late-enrollment penalties.
Your plan from three years ago isn’t the best plan today. We re-shop every fall during AEP (Oct 15 – Dec 7) and switch you only when it’s clearly better.
Helping mom or dad pick a plan? We’ll walk through it with all of you together, in plain English, with no pressure.
Medicare looks complicated because nobody hands you a calendar. Here’s the calendar.
Three months before your 65th birthday, your Initial Enrollment Period opens. Now is when you sort out which path — Original Medicare + Medigap or Medicare Advantage — fits how you actually use care.
Most people enroll in Parts A and B during the 7-month window around their 65th birthday. We help you sequence enrollment so you don't trigger lifetime late-enrollment penalties on Part B or Part D.
We compare Medigap + stand-alone Part D vs. Medicare Advantage side by side using your doctors, your medications, and your zip code — not a generic top-10 list.
Carriers change premiums, formularies, and networks every year. Your advisor reviews your plan during Annual Enrollment (Oct 15 – Dec 7) so you stay in the right plan, not just the original one.
An independent, Medicare-certified agency means unbiased plan comparisons, plain-English advice, and a real human you can call when something changes — every year, for as long as you’re on Medicare.
Every Meet Med Coverage advisor is AHIP-certified and licensed in your state. We represent 40+ Medicare carriers — not one — so our recommendation is the right plan, not the most-commissioned plan.
Carriers pay us when you enroll, so plan comparisons and advice cost you nothing. You pay the same monthly premium as buying direct — sometimes less.
MOOP, IRMAA, LIS, MAPD, donut hole — we translate. You walk away understanding exactly what your plan covers and what it doesn't.
Premiums and formularies change every year. Your advisor reviews your plan every Annual Enrollment Period so you stay in the right one — not just the original one.
We’ll personalize the comparison to your doctors, your medications, and your zip code. These are the headlines to know first.
Lower premium with small copays at the doctor and ER.
The most popular Medigap — near-complete gap coverage.
All-in-one plan with extras — DVH, fitness, OTC.
“I turned 65 in March and was completely lost between Medigap and Advantage. My advisor sat with me for an hour, used my actual doctors and prescriptions, and showed me side by side why Plan G made more sense for my situation. No pressure. I’d been talked at by three other agents — this was the first conversation that actually helped.”
Linda CarringtonRetired teacher, age 65 · Phoenix, AZ
“Switched from a $0-premium Advantage plan to a Plan N supplement last fall because my husband was getting hit with copay after copay. Our advisor ran the math, walked us through the trade-offs, and handled all the enrollment paperwork. We pay a bit more per month and a lot less when we actually use care.”
Robert & Diane MehtaBoth 68 · Tampa, FL
“I was helping my dad re-shop his Part D plan. The Medicare.gov tool was overwhelming, and dad was ready to just stay on whatever he had. Our Meet Med Coverage advisor used his exact medications and pharmacy, found a plan that saved him $1,400 a year, and explained the donut hole so we both finally understood it.”
Sandra WhitmoreCaregiver for her father, 78 · Columbus, OH
A few quick questions. A licensed Meet Med Coverage advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
A lot more than most people think. Original Medicare (Parts A and B) doesn't cover routine dental, vision, or hearing care; routine foot care; long-term custodial care; most care outside the U.S.; and — critically — about 20% of the cost of covered services with no annual out-of-pocket cap. Prescription drugs aren't covered by Original Medicare either; you need a separate Part D plan or a Medicare Advantage plan that includes drug coverage.
Medigap (Medicare Supplement) works with Original Medicare to cover the 20% Parts A and B leave behind. You can see any provider that accepts Medicare, with no networks or referrals, and you pay a predictable monthly premium. Medicare Advantage (Part C) replaces Original Medicare with an all-in-one private plan — usually with an HMO or PPO network, often a $0 premium, drug coverage, and extras like dental and vision, but with cost-sharing every time you use care up to a yearly out-of-pocket maximum.
Your Initial Enrollment Period (IEP) is a 7-month window: the 3 months before your 65th birthday month, your birthday month, and the 3 months after. If you miss it and don't have qualifying coverage, you can face lifetime late-enrollment penalties on Part B and Part D. Annual Enrollment Period (AEP) is Oct 15 – Dec 7 each year, when anyone on Medicare can switch plans. Medigap has separate rules — your one-time 6-month Medigap Open Enrollment starts the month you're both 65 and enrolled in Part B.
The coverage gap ("donut hole") is a temporary stage of Part D where you pay a higher share of drug costs after you and your plan have spent a combined threshold. The Inflation Reduction Act closed the worst of it — in 2025, your share is capped at 25% of brand-name and generic drug costs in the gap, and there's now a $2,000 annual out-of-pocket cap on Part D drugs.
Not by default. Original Medicare (Parts A and B) doesn't cover most outpatient prescription drugs. You need either a stand-alone Part D plan (paired with Original Medicare and/or Medigap) or a Medicare Advantage plan that includes drug coverage (MAPD). We always compare Part D plans on total annual cost — premium + deductible + copays for your specific medications — not just the monthly premium.
On Original Medicare + Medigap, yes — as long as the provider accepts Medicare, which most do. On Medicare Advantage, you're limited to the plan's network. Before we recommend any Advantage plan, we check that your current doctors, hospitals, and specialists are in-network so there are no surprises.
Maybe not. If you're working and covered by a large-employer group plan (20+ employees), you can usually delay Part B without penalty and enroll later during a Special Enrollment Period. But there are traps — smaller-employer plans, COBRA, and retiree coverage are treated differently and can trigger lifetime penalties. We help you sort this out before you make the wrong call.
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge on Part B and Part D premiums for higher-income beneficiaries. It's based on your tax return from two years ago. If a major life event has lowered your income since then (retirement, loss of a spouse, divorce), you can appeal IRMAA using Form SSA-44.
No. Our service is free to you. Carriers pay us when you enroll, so you pay the same monthly premium as buying direct — sometimes less. We're not affiliated with any single carrier; we represent 40+ Medicare carriers and recommend whichever plan fits your situation best.
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