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Medicare 101

How to Choose a Medicare Plan

The right Medicare plan depends on your doctors, prescriptions, budget and lifestyle. Here’s a simple way to think it through, and how a licensed agent can help.

Start with the two main paths

Most people choose between Original Medicare with add-on coverage, or an all-in-one Medicare Advantage plan.

Parts A & B

Original Medicare + Medigap

  • See any doctor or hospital in the U.S. that accepts Medicare
  • Higher monthly premium, more predictable costs
  • Add a Part D plan for prescription drugs
Part C

Medicare Advantage

  • All-in-one plan from a private insurer
  • Often lower premiums, usually with a provider network
  • Often includes drug, dental and vision coverage
  • Yearly limit on out-of-pocket costs

Ask yourself five questions

  1. Are my doctors and hospitals covered?Check that the providers you see are in the plan’s network, or that they accept Medicare.
  2. Are my prescriptions covered?Look at each plan’s drug list and what you’d pay for each medication.
  3. What can I afford?Compare monthly premiums along with deductibles, copays and the most you could pay in a year.
  4. Do I travel or live in more than one state?Some plans cover care mainly within a local network, while others go with you.
  5. Do I want extra benefits?Many plans add dental, vision, hearing or fitness benefits.

Know when you can enroll

Around your 65th birthday

Initial Enrollment

A 7-month window: 3 months before, the month of, and 3 months after you turn 65.

Oct 15 – Dec 7

Annual Enrollment

Anyone with Medicare can switch Advantage or Part D plans. Changes start January 1.

Jan 1 – Mar 31

Advantage Open Enrollment

If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare.

Anytime, if you qualify

Special Enrollment

Moving, losing employer coverage, or qualifying for Extra Help can open a special window.

Plans and costs can change every year, so it’s smart to review your coverage each fall.

How a Dolce agent helps

  • We compare plans from 10+ top carriers side by side.
  • We check your doctors and prescriptions before recommending a plan.
  • We explain your options in plain language, with no pressure.
  • We help you enroll and stay with you for yearly reviews.

Our help is always free, and you pay the same premium as enrolling on your own.

Speak with a licensed agent today

Get a free, no-obligation plan review. We do the comparing so you can choose with confidence.

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