MEDICARE MADE CLEAR

You deserve coverage you understand — and a partner who puts your needs first. Below you’ll find a plain-language guide to today’s Medicare landscape. If any part still feels foggy, hit the button at the bottom and we’ll walk you through your options in a free one-on-one call.

💬 Schedule Your Free Call

What Exactly Is Medicare?

Medicare is federal health insurance that comes in pieces:

Part

A (Hospital)

B (Medical)

D (Drugs)

Medicare Supplement

Inpatient hospital, skilled nursing, hospice

Outpatient care, doctors, labs, preventive services

Retail prescriptions

Medicare Advantage

Usually $0 premium if you worked 10+ years

Standard premium $185/mo in 2025; deductible $257

Premium varies by plan; out-of-pocket capped at $2,000 in 2025

Figures shown are the 2025 national standards; income-related adjustments

or state programs can change what you actually pay.

Start Your Free Consultation

Original Medicare vs. Medicare Advantage

You have two main ways to build full coverage:

Path 1: Original Medicare + Medigap + Part D

Path 2: Medicare Advantage (Part C)

🔧 How It Works

👨‍⚕️ Doctor Choice

💰 Monthly

Cost

📉 Annual OOP Limit

🦷 Extras (Dental, Vision, Fitness)

👍 Best For

Keep Parts A & B, add a Medigap plan to cover gaps, and a standalone Part D drug plan.

Any provider nationwide who accepts Medicare.

Part B premium + Medigap + Part D premium (predictable).

No cap without Medigap; Plan G/N cover most after deductible.

Buy separately.

Travelers, freedom-seekers, or those avoiding surprise bills.

All-in-one private plan that replaces A & B, and usually includes drugs + extras.

Network-based (HMO/PPO). Out-of-network may cost more or be uncovered.

Part B premium + Plan premium (many are $0).

Capped at $9,350 or less in 2025 (some plans are lower).

Often built in at no extra cost.

Budget-conscious adults who prefer bundled care.

Original Medicare vs. Medicare Advantage

You have two main ways to build full coverage:

🔧 How It Works

👨‍⚕️ Doctor Choice

💰 Monthly

Cost

📉 Annual OOP Limit

🦷 Extras (Dental, Vision, Fitness)

👍 Best For

Path 1: Original Medicare + Medigap + Part D

Keep Parts A & B, add a Medigap plan to cover gaps, and a standalone Part D drug plan.

Any provider nationwide who accepts Medicare.

Part B premium + Medigap + Part D premium (predictable).

No cap without Medigap; Plan G/N cover most after deductible.

Buy separately.

Travelers, freedom-seekers, or those avoiding surprise bills.

Path 2: Medicare Advantage (Part C)

All-in-one private plan that replaces A & B, and usually includes drugs + extras.

Network-based (HMO/PPO). Out-of-network may cost more or be uncovered.

Part B premium + Plan premium (many are $0).

Capped at $9,350 or less in 2025 (some plans are lower).

Often built in at no extra cost.

Budget-conscious adults who prefer bundled care.

Diving Deeper : Medicare Supplement (Medigap)

• Standardized plans (A, B, D, G, K, L, M, N). Benefits identical nationwide; price is the only difference.

• Plans C & F closed to new enrollees who turned 65 after Jan 1 2020.

• Six-month Medigap Open Enrollment starts the month your Part B begins—no health questions asked. After that, underwriting may apply.

• Popular choice: Plan G (covers nearly every Part A & B cost except the Part B deductible).

📦 Medicare Advantage (Part C)

✅ Must cover everything Original Medicare covers, with an added cap on out-of-pocket costs.

✅ Most plans include drug, dental, vision, hearing, fitness—even grocery or utility cards! (Benefits vary by ZIP code 🏡)

Enrollment Windows:

• 🆕 Initial Coverage Election – when you first join Medicare
• 🗓️ Annual Enrollment – Oct 15 to Dec 7 (switch any plan)
• 🔄 MA Open Enrollment – Jan 1 to Mar 31 (1 switch if already enrolled)

✅ Taking expensive meds?

✅ Always check if they’re covered in the plan’s formulary—Part D rules still apply.

Part D Drug Plans

• In 2025 the Inflation Reduction Act sets a hard $2,000 annual cap on covered prescriptions—huge relief for high-cost drugs.

• Plans still differ in premiums and formularies; “cheapest premium” isn’t always the lowest total cost.

Start Your Free Consultation

Common Myths—Busted

“Medicare Advantage is always cheaper.”

Not if you see out-of-network doctors or need expensive inpatient care that pushes you to the MOOP.

“I can add Medigap later if I get sick.”

Outside your open-enrollment window, insurers can deny or up-price you in most states.

“Supplements cover dental and vision.”

They don’t. You’d add standalone policies.

How We Help (at Zero Cost to You)

📞 Quick Call (30 min)

You tell us your doctors, drugs, budget.

📊 Side-by-Side Breakdown

We run every carrier in your county, showing real costs over 12 months, not teaser premiums.

📝 Enroll & Relax

We submit the application, confirm drug lists, and stay on call year-round.

Start Your Free Consultation

✅ Ready for Answers You Can Trust?

No pressure. No sales quota. Just clarity from advisors with 100+ years of combined

experience who work for you, not the carrier.

Start Your Free Consultation

Mission Insurance Partners is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

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 your options.

Phone Number

(304) 685-2510

Location

9901 Brodie Lane STE 160-751, Austin TX 78748

E-mail Address

[email protected]

Mission Insurance Partners

MEDICARE MADE CLEAR

You deserve coverage you understand — and a partner who puts your needs first. Below you’ll find a plain-language guide to today’s Medicare landscape. If any part still feels foggy, hit the button at the bottom and we’ll walk you through your options in a free one-on-one call.

What Exactly Is Medicare?

Medicare is federal health insurance that comes in pieces:

Part

A (Hospital)

B (Medical)

D (Drugs)

Medicare Supplement

Inpatient hospital, skilled nursing, hospice

Outpatient care, doctors, labs, preventive services

Retail prescriptions

Medicare Advantage

Usually $0 premium if you worked 10+ years

Standard premium $185/mo in 2025; deductible $257

Premium varies by plan; out-of-pocket capped at $2,000 in 2025

Figures shown are the 2025 national standards; income-related adjustments

or state programs can change what you actually pay.

Original Medicare vs. Medicare Advantage

Path 1: Original Medicare + Medigap + Part D

Path 2: Medicare Advantage (Part C)

🔧 How It Works

👨‍⚕️ Doctor Choice

💰 Monthly

Cost

📉 Annual OOP Limit

🦷 Extras (Dental, Vision, Fitness)

👍 Best For

Keep Parts A & B, add a Medigap plan to cover gaps, and a standalone Part D drug plan.

Any provider nationwide who accepts Medicare.

No cap without Medigap; Plan G/N cover most after deductible.

Buy separately.

Travelers, freedom-seekers, or those avoiding surprise bills.

All-in-one private plan that replaces A & B, and usually includes drugs + extras.

Network-based (HMO/PPO). Out-of-network may cost more or be uncovered.

Capped at $9,350 or less in 2025 (some plans are lower).

Often built in at no extra cost.

Budget-conscious adults who prefer bundled care.

Original Medicare vs. Medicare Advantage

🔧 How It Works

👨‍⚕️ Doctor Choice

💰 Monthly

Cost

📉 Annual OOP Limit

🦷 Extras (Dental, Vision, Fitness)

👍 Best For

Path 1: Original Medicare + Medigap + Part D

Keep Parts A & B, add a Medigap plan to cover gaps, and a standalone Part D drug plan.

Any provider nationwide who accepts Medicare.

No cap without Medigap; Plan G/N cover most after deductible.

Buy separately.

Travelers, freedom-seekers, or those avoiding surprise bills.

Path 2: Medicare Advantage (Part C)

All-in-one private plan that replaces A & B, and usually includes drugs + extras.

Network-based (HMO/PPO). Out-of-network may cost more or be uncovered.

Capped at $9,350 or less in 2025 (some plans are lower).

Often built in at no extra cost.

Budget-conscious adults who prefer bundled care.

Diving Deeper : Medicare Supplement (Medigap)

• Standardized plans (A, B, D, G, K, L, M, N). Benefits identical nationwide; price is the only difference.

• Plans C & F closed to new enrollees who turned 65 after Jan 1 2020.

• Six-month Medigap Open Enrollment starts the month your Part B begins—no health questions asked. After that, underwriting may apply.

• Popular choice: Plan G (covers nearly every Part A & B cost except the Part B deductible).

📦 Medicare Advantage (Part C)

✅ Must cover everything Original Medicare covers, with an added cap on out-of-pocket costs.

✅ Most plans include drug, dental, vision, hearing, fitness—even grocery or utility cards! (Benefits vary by ZIP code 🏡)

Enrollment Windows:

• 🆕 Initial Coverage Election – when you first join Medicare• 🗓️ Annual Enrollment – Oct 15 to Dec 7 (switch any plan)• 🔄 MA Open Enrollment – Jan 1 to Mar 31 (1 switch if already enrolled)

✅ Taking expensive meds?

✅ Always check if they’re covered in the plan’s formulary—Part D rules still apply.

Part D Drug Plans

• In 2025 the Inflation Reduction Act sets a hard $2,000 annual cap on covered prescriptions—huge relief for high-cost drugs.

• Plans still differ in premiums and formularies; “cheapest premium” isn’t always the lowest total cost.

Common Myths—Busted

“Medicare Advantage is always cheaper.”

Not if you see out-of-network doctors or need expensive inpatient care that pushes you to the MOOP.

“I can add Medigap later if I get sick.”

Outside your open-enrollment window, insurers can deny or up-price you in most states.

“Supplements cover dental and vision.”

They don’t. You’d add standalone policies.

• 🆕 Initial Coverage Election – when you first join Medicare
• 🗓️ Annual Enrollment – Oct 15 to Dec 7 (switch any plan)
• 🔄 MA Open Enrollment – Jan 1 to Mar 31 (1 switch if already enrolled)