Our Medicare Advice: Expert Recommendations for 2025

Why Our Advice Matters

After helping thousands of people navigate Medicare, we've seen the same questions and challenges over and over. This video shares our real-world perspective on making Medicare decisions.

We don't sell insurance. We help people understand their options so they can make informed choices.

Our Core Medicare Philosophy

1. Start With Your Doctors

The best Medicare plan is worthless if it doesn't cover your doctors and medications. Always check networks first.

2. Focus on Out-of-Pocket Maximums

Premiums get attention, but your maximum annual costs matter more. A low premium with high deductibles can cost you thousands.

3. Consider Your Health Trajectory

Are you healthy now but expecting changes? Or managing chronic conditions? Your five-year outlook should influence your choice.

Our Top Recommendations by Situation

If You're New to Medicare

Start with Medicare Supplement Plan G or a highly-rated Medicare Advantage plan in your area. Both provide good protection while you learn the system.

If You Travel Frequently

Original Medicare with a supplement gives you nationwide coverage. Medicare Advantage plans often have limited networks outside your area.

If You're Budget-Conscious

Look at Medicare Advantage plans first. Many have $0 premiums and include extras like dental and vision.

If You Have Chronic Conditions

Medicare supplements provide more predictable costs. You'll pay higher premiums but avoid surprise bills.

Common Mistakes We See

People often choose plans based on premium cost alone. This can lead to higher overall expenses when you need care.

Don't ignore drug coverage. Even if you take no medications now, you'll face penalties if you need coverage later.

Review your plan annually. Your health, medications, and available plans change every year.

Questions to Ask Before Choosing

• Are my doctors in this plan's network?
• Are my medications covered, and what will they cost?
• What's my maximum out-of-pocket cost for the year?
• Does this plan work if I travel or spend time in other states?
• What happens if my health changes significantly?

When to Get Help

Medicare decisions affect your health and finances for years. Consider working with a licensed agent or counselor if:

• You have complex medical conditions
• You take multiple expensive medications
• You're overwhelmed by the options
• You need help comparing costs across different plan types

Our Final Advice

There's no perfect Medicare plan. The goal is finding the best fit for your situation and budget.

Don't postpone the decision hoping for better options. Late enrollment penalties can cost you thousands over time.

Remember: You can change plans every year during Open Enrollment if your needs change.