$0-premium options
Many counties offer plans with no monthly premium beyond Part B — you keep Original Medicare’s structure at a lower total cost.
Part C
Medicare Advantage
Private plans that replace Original Medicare with bundled benefits, annual out-of-pocket limits, and extras Original Medicare never offers.
Medicare Advantage (Part C) replaces Original Medicare with a single plan that covers hospital and medical care — usually with $0 premiums, built-in drug coverage, and extras like dental, vision, hearing, and fitness benefits. You trade some nationwide flexibility for lower costs and a hard annual out-of-pocket maximum.
Advantage plans are genuinely excellent for the right person: someone with a fixed budget, stable doctors, and prescriptions that fit the plan’s formulary. They’re a poor fit for someone who travels three months a year or sees out-of-network specialists. I review every plan available in your county before you sign anything — because plan quality varies enormously by zip code.
What It Covers
The protection, piece by piece.
Out-of-pocket maximums
Unlike Original Medicare’s uncapped 20% coinsurance, Advantage plans cap what you can spend in a calendar year.
Extras bundled in
Dental cleanings, glasses, hearing aids, hearing exams, and often transportation or fitness memberships at no extra cost.
Care coordination
HMO and PPO structures keep your doctors coordinated — helpful if you manage multiple conditions or medications.
My Process
How we get you covered.
Every recommendation runs through the same four steps — whether you’re choosing medicare advantage or any other coverage I offer.
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Check every plan in your county
I pull all carriers available in your zip code — premiums, star ratings, and this year’s benefit changes.
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Stress-test your prescriptions
Your exact drug list is run through each formulary, including tier changes, coverage stages, and pharmacy pricing.
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Verify your doctors
I confirm each of your providers is in-network for the plans that survive step one — no surprise denials.
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Enroll & set up your benefits
I file the enrollment and help you activate dental, vision, and any extra benefits the plan includes.
Common Questions
About Medicare Advantage.
Still curious? Call (415) 891-9797 — I answer these calls myself.
Will I be locked into a network?
Usually yes — HMO plans require in-network care (except emergencies), while PPO plans allow out-of-network at a higher cost. If you travel or see out-of-network specialists frequently, we’ll lean toward PPOs or a Supplement instead.
Can I switch back to Original Medicare later?
Yes, during Open Enrollment (Jan 1–Mar 31) or Annual Enrollment (Oct 15–Dec 7). If you want a Medigap afterward, medical underwriting may apply — that’s the one trade-off we plan around from day one.
Are $0-premium plans “too good to be true”?
No — the government pays the plan to serve you, and plans negotiate rates with providers. The trade-off is network rules and prior authorizations, not a hidden bill. I’ll show you exactly where those trade-offs appear.
Explore More
Other coverage I offer.
Let’s Talk
Ready to talk about medicare advantage?
Free plan comparison, honest advice, zero pressure — that’s the whole deal.
No cost · No obligation · Licensed in CA · FL · NJ · NV · SC · TX