Medicare Services
Coverage That Fits Your Life
Adriana works with multiple carriers to compare your options across every major Medicare plan type — at no cost to you.
Medicare isn't one-size-fits-all. Whether you're enrolling for the first time or reviewing your current coverage, here's a clear look at every plan type Adriana can help you with.
All-in-one coverage from a private insurer
Medicare Advantage (Part C)
Medicare Advantage plans bundle your hospital (Part A) and medical (Part B) coverage into a single private plan — and most include prescription drug coverage too. Many plans offer extra benefits like dental, vision, hearing, and fitness programs that Original Medicare doesn't cover.
What to know
- Often lower monthly premiums than a Supplement
- Typically includes an out-of-pocket maximum
- Network restrictions may apply — check your doctors
- Plans vary significantly by county and carrier
Fill the gaps in Original Medicare
Medicare Supplement (Medigap)
Medicare Supplement plans work alongside Original Medicare to cover the cost-sharing it leaves behind — copays, coinsurance, and deductibles. With a Supplement, you can see any provider who accepts Medicare, anywhere in the country, without referrals.
What to know
- Freedom to use any Medicare-accepting provider nationwide
- Predictable out-of-pocket costs
- Higher monthly premiums than most Advantage plans
- Does not include drug coverage — pair with a Part D plan
Standalone drug coverage for Original Medicare
Prescription Drug Plans (Part D)
Part D plans cover prescription medications and are designed to pair with Original Medicare or a Medicare Supplement. Each plan has its own formulary — the list of covered drugs — and its own cost structure. Choosing the right plan based on your specific medications can make a significant difference in your annual costs.
What to know
- Required to avoid late enrollment penalties
- Formularies and costs vary widely by plan
- Review your plan annually during the Annual Enrollment Period
- Extra Help (LIS) may reduce costs for qualifying individuals
Cash benefits for hospital stays
Hospital Indemnity
Hospital indemnity plans pay a fixed daily cash benefit for each day you're hospitalized. This money can be used however you need — to cover Medicare cost-sharing, transportation, meals, or any other expenses that come up during a hospital stay or recovery.
What to know
- Pays directly to you, not the provider
- Helps offset out-of-pocket costs from Medicare Advantage
- Affordable premiums for meaningful protection
- Can be added alongside most Medicare plan types
Routine care Original Medicare doesn't cover
Dental Coverage
Original Medicare does not cover routine dental care — cleanings, X-rays, fillings, or dentures. Dental coverage is available through many Medicare Advantage plans or as a standalone dental policy. Adriana can help you find a plan that covers your preferred dentist and the services you need.
What to know
- Available through Advantage plans or standalone policies
- Coverage levels vary — preventive vs. major services
- Check that your dentist is in-network
- Annual maximums and waiting periods may apply
Benefits Medicare leaves out
Vision & Hearing
Routine eye exams, prescription eyeglasses, and hearing aids are not covered by Original Medicare. These benefits are commonly included in Medicare Advantage plans and are also available through standalone ancillary policies. Adriana can help you evaluate what's included in your current plan — and what's missing.
What to know
- Hearing aids can cost thousands without coverage
- Many Advantage plans include an annual vision allowance
- Standalone vision and hearing plans are also available
- Coverage details vary significantly by plan and carrier
The Process
How Adriana Helps
A straightforward process — no pressure, no obligation.
Free Consultation
Adriana listens to your situation — your health needs, budget, preferred doctors, and medications — before recommending anything.
Compare Options
Because she works with multiple carriers, Adriana can compare plans side by side and show you what each one actually covers for your specific situation.
Clear Recommendation
You get a plain-language explanation of your best options — no jargon, no pressure. The decision is always yours.
Ongoing Support
Adriana stays available after enrollment. If your needs change or a better plan becomes available, she'll let you know.
Not Sure Which Plan Is Right for You?
That's exactly what Adriana is here for. A free consultation takes 20–30 minutes and could save you hundreds of dollars a year.