Medicare Coverage

Guides to help you understand Original Medicare, Advantage plans, Medigap, and Part D.

Medicare Simplified

The better you understand Medicare, the easier it is to choose the right plan for your unique needs.

Medicare is federal health insurance for people 65+, certain people with disabilities, and people with End-Stage Renal Disease.

Medicare Advantage (Part C) plans are Medicare-approved private plans that deliver Part A and Part B benefits - often with Part D and extras.

Medigap policies help pay costs Original Medicare doesn’t cover - like deductibles, coinsurance, and copayments.

Medicare Part D helps cover prescription costs, with a $2,100 out-of-pocket cap in 2026 and Extra Help for those who qualify.

Most people qualify at 65 with enough work history - or earlier with certain disabilities or End-Stage Renal Disease.

HMO, PPO, PFFS, and Special Needs Plans each work differently - network rules and referrals vary by plan type.

Standardized Medigap plan letters offer the same basic benefits by letter - premiums and extras vary by company.

Talk with Stellar Health Agency and get personalized guidance on the right plan for you and your family.