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Confused about Medicare?
You’re not alone, and you don’t have to figure it out yourself.
Medicare doesn’t have to be confusing. We make it simple, clear, and personalized.
Choosing the right Medicare plan is one of the most important financial and healthcare decisions you’ll make. With dozens of options, changing benefits, and complex rules, it’s easy to feel overwhelmed—but the right guidance can help you avoid costly mistakes.
What is Medicare?
Medicare is a federal health insurance program primarily for:
Individuals age 65 and older
Certain younger individuals with disabilities
People with specific medical conditions
There are multiple parts of Medicare, each covering different services.
HOW WE HELP YOU
At TAP Insurance Group, we help you:
Compare plans side-by-side
Understand costs before enrolling
Check your doctors and prescriptions
Avoid common and costly mistakes
Choose coverage that fits YOUR needs
Get clarity before you choose your Medicare plan. A simple conversation today can help you avoid costly mistakes tomorrow.
BREAKDOWN OF MEDICARE COVERAGE
MEDICARE PART A(Hospital Insurance) | MEDICARE PART B(Medical Insurance) | ORIGINAL MEDICARE(PART A + B) | MEDICARE PART D(Prescription Drug Coverage) | MEDICARE ADVANTAGE (PART C) | MEDIGAP(SUPPLEMENT INSURANCE) |
|---|---|---|---|---|---|
What it covers:
Most people qualify for premium-free Part A if they worked and paid Medicare taxes. | What it covers:
Part B typically requires a monthly premium and cost-sharing, including deductibles and coinsurance. | Original Medicare allows you to:
BUT it does NOT cover:
This is why many people need additional coverage. | What it covers:
2026 UPDATE:
| Medicare Advantage plans are offered by private insurance companies and include:
These are bundled plans, but:
| Medigap helps cover:
It works with Original Medicare and provides:
|
IMPORTANT 2026 MEDICARE
Medicare is evolving quickly:
Over half of beneficiaries are now in Medicare Advantage
Most plans include extra benefits (dental, vision, hearing)
Prescription drug costs are becoming more regulated
BUT:
Plans vary widely
Not all benefits are equal
Choosing the wrong plan can cost thousands
WHAT MEDICARE DOES NOT COVER
Even with Medicare, you may still pay for:
Routine dental care
Vision exams and glasses
Hearing aids
Long-term care
This is why many individuals add:
Supplemental plans
Medicare Advantage plans
Standalone coverage
HOW TO CHOOSE THE RIGHT PLAN
Choosing a Medicare plan isn’t just about price, it’s about:
Your doctors and providers
Your prescriptions
Your budget
Your long-term health needs
FREQUENTLY ASKED QUESTIONS (FAQ)
What is the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A & B) is managed by the federal government and allows flexibility in providers. Medicare Advantage (Part C) is offered by private companies and bundles coverage, often with extra benefits but network restrictions.
Do all Medicare plans include dental, vision, and hearing?
No. Original Medicare does not cover these services. Many Medicare Advantage plans include them, but coverage levels vary.
When can I enroll in Medicare?
You can enroll during:
Initial Enrollment Period (around age 65)
Annual Open Enrollment (Oct 15 – Dec 7)
Special Enrollment Periods (qualifying events)
Can I change my Medicare plan later?
Yes. You can review and change plans annually during open enrollment.
Do I need a Medicare advisor?
Medicare is complex, and plan differences can significantly impact your costs and coverage. Many people choose guidance to avoid costly mistakes.