Understand your Medicare options, clearly.

HealthSherpa is here to help you make a confident decision about your Medicare Supplement or Advantage coverage.

Call our licensed insurance agents for a consultation

How Medicare works

Medicare is made up of several parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.

Original Medicare

Once you turn 651, you’re eligible for Original Medicare—Part A and Part B.

Most people get Part A for free2 which covers essential hospital services—and buy Part B to cover essential doctor services.


You’re eligible to enroll 3 months before your 65th birthday. If you have certain disabilities, you may qualify earlier.


Part A is free if you (or your spouse) have paid Medicare taxes for 10+ years.

Part A
Hospital & inpatient
  • Hospital-related coverage
  • Emergency care
  • Skilled nursing
  • Home health services
  • Hospice
Part B
Doctors & medical
  • Doctor’s office visits
  • Laboratory services
  • Medical equipment
  • Mental health services
  • Outpatient and ambulatory services
Additional coverage

Parts A and B only cover the essentials, and charge significant out-of-pocket3 costs, so many people use additional plans to reduce these costs or to increase coverage.

One way to do this is by using either a Supplement or Advantage plan.


Out-of-pocket costs = deductibles, co-pays, and co-insurance.

Supplement (also called MediGap)

Supplement plans reduce or eliminate the out-of-pocket costs charged by A and B.


  • Lower (or no) out-of-pocket costs
  • More choices in doctors, hospitals, and specialists
  • Costs and coverage never change
  • Coverage while you travel


Advantage (also called Part C)

Advantage bundles up the services provided by A and B (and more) into one plan.


  • Lower monthly premium costs
  • Can only use in-network doctors and hospitals, and referred specialists
  • Costs and coverage can change each year
  • No coverage outside of local service area
Prescription drug coverage

You can get coverage for prescription drugs in two different ways:

  • If you have Plan A, add drug coverage with Part D
  • Choose one of the many Advantage plans that include drug coverage.
Part D

You can add on Part D in these combinations of plans:

  • Part A + Part D
  • Part A + Part B + Part D
  • Part A + Part B + Supplement + Part D
  • An Advantage plan that includes Part D
How we can help
Phone consultation

Our licensed insurance agents can answer all of your Medicare questions.

We’ll help you understand:

  • Medicare enrollment and eligibility
  • Medicare costs
  • Financial assistance
  • Plus more
"HealthSherpa was extremely helpful and professional. They helped me understand and find a plan that fit my needs. I will absolutely recommend them to my friends and family."

Susan from Pennsylvania

Supplement enrollment assistance

We can also help you enroll in a Medicare Supplement plan, giving you more flexibility and control over your health insurance.

Benefits of Supplement coverage

Choose who you see

  • Doctors, hospitals, and specialists

Control your costs

  • Low or no out-of-pocket expenses
  • 10 plan types with various levels of coverage & costs

Go anywhere

  • Stay covered while you travel
Ready to speak with one of our licensed insurance agents?

Call our licensed insurance agents for a consultation