Medicare Referral Broker in Maryland, Washington, DC, Georgia and Virginia

Medicare is one of the most important decisions that a senior will make upon turning 65-years old.

As part of our wealth management process, our firm partners with a licensed Medicare agency to help you understand the Medicare options and choose plan that fit best your specific needs.

Medicare Supplement, Medicare Advantage, Part A, B, C, D coverage.

Medicare is the federal health insurance program funded by the US Government and primarily for people 65 and older.

Part A covers hospital stays, skilled nursing, and hospice (most people get it premium-free)

Part B covers doctor visits, outpatient care, and preventive services (has a monthly premium)

Part C (Medicare Advantage) is an all-in-one alternative offered by private insurers that bundles A, B, and often D, usually with extra benefits like dental/vision but with network restrictions

Part D is the standalone prescription drug coverage, also provided by private plans with its own premiums and formularies.

Original Medicare is Parts A + B. This is because original Medicare leaves gaps—like the 20% coinsurance on Part B and no cap on out-of-pocket costs. Individual can also purchase a Medicare Supplement (Medigap) policy from a private insurer to pay those gaps.

Medicare Advantage (Part C) is another option instead of Original Medicare + Medigap, trading flexibility for lower (often $0) premiums and capped out-of-pocket costs, but they must use the plan’s network and rules.

Original Medicare (A+B) + optional Medigap offers broader doctor choices with predictable medical costs.

Medicare Advantage (Part C) is the private plan replacement with extras benefits but restrictions and Part D  adds the coverage for prescription drugs to either path.