Medicare
Medicare is changing and so are the options.
BenZen Insurance, in partnership with HealthSherpa, has made the transition to Medicare easy, accurate, and stress-free.
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Medicare Part D (Prescription Drugs)
- Ancillary Benefits (Dental, Vision, & Hearing)
Call (833) 833-9711 to speak with a licensed Medicare specialist. Mon-Fri, 8am-8pm EST
Free Expert Advice
Medicare requires the right steps, in the right order. Our licensed specialists guide you through a proven process:
- 1. Social Security Setup – We ensure Parts A & B are properly activated before any plan selection.
- 2. Doctor & Hospital Review – We confirm your providers are covered and in-network.
- 3. Prescription Analysis – Every medication (including insulin, pumps, CGMs) is reviewed against 2026 pricing to minimize your out-of-pocket costs.
- 4. Plan Education – Clear, simple breakdown of Medigap vs. Medicare Advantage based on your needs.
- 5. Side-by-Side Recommendations – Compare top plans with full transparency—no pressure.
- 6. Enrollment & Ongoing Support – We handle the application and review your coverage each year to keep you optimized.
Why Call?
- $0 Cost to You – No fees. No markups.
- Accuracy & Protection – Avoid penalties, coverage gaps, and network issues with expert guidance.
How Medicare Works
Most people become eligible at age 65. You may also qualify earlier if you have certain disabilities.
Generally, you must be a U.S. citizen or a legal resident who has lived in the U.S. for at least 5 years.
How much does it cost? Most people get Part A (Hospital Insurance) for $0 if they or a spouse worked for at least 10 years. Part B (Medical Insurance) has a standard monthly premium (set by the government annually). Depending on your income, you may pay more (IRMAA).
What is covered? Medicare is divided into Part A (Hospital stays, skilled nursing, hospice) and Part B (Doctor visits, outpatient care, medical supplies, and preventive services).
What are my options? Once Part A and Part B are active, most people add additional coverage to fill the gaps. Here’s how it breaks down:
- Medicare Advantage (Part C) An all-in-one alternative to Original Medicare. Bundles Part A, Part B, and usually drug coverage into a single private plan — often with $0 premiums and extras like dental, vision, and hearing.
- Medicare Supplement (Medigap) Extra coverage that pays the “gaps” Original Medicare leaves behind — co-pays, co-insurance, and deductibles. No networks. See any Medicare-accepting doctor in the country.
- Medicare Part D Standalone prescription drug coverage. Critical if you’re on Medigap or staying with Original Medicare. Skipping it when first eligible can mean a permanent penalty later.
- Ancillary Benefits Dental, vision, and hearing coverage can be added standalone or bundled depending on your plan type.
Medicare Advantage
Medicare Advantage is an “all-in-one” alternative to Original Medicare. These plans are offered by private companies approved by Medicare and bundle Part A, Part B, and usually Part D (Drugs) into a single plan.
How much does it cost? Many plans have $0 monthly premiums, though you must continue to pay your Part B premium. You will typically have co-pays or co-insurance when you visit the doctor or hospital.
What does it cover? It covers everything Original Medicare covers, but often includes “extra” benefits like dental, vision, hearing, and fitness memberships. Most plans require you to use a specific network of doctors (HMO or PPO).
Medicare Supplement
Medigap is extra insurance you buy from a private company to help pay the “gaps” in Original Medicare, such as your 20% co-insurance, copayments, and deductibles.
How much does it cost? You will pay a monthly premium to the private insurance company in addition to your Part B premium. However, your out-of-pocket costs when you go to the doctor are often near zero.
What does it cover? It covers the “gaps” in Part A and Part B. One of the biggest benefits of Medigap is that there are no networks—you can see any doctor in the country that accepts Medicare. Note: Medigap does not include prescription drug coverage.
Medicare Part D
Part D is optional standalone prescription drug coverage. It is provided by private insurance companies approved by Medicare.
How much does it cost? You pay a monthly premium that varies by the plan you choose. If you don’t sign up for Part D when you are first eligible (and don’t have other creditable coverage), you may face a permanent late-enrollment penalty later.
What does it cover? Each plan has a “formulary” (a list of covered drugs). Plans are required to cover a broad range of drugs, but they place them in different “tiers” which determine your cost. This is the most critical section for managing insulin and diabetes supplies.
Frequently Asked
- Does it cost more to work with your licensed specialists? No. Medicare premiums are filed with the state and regulated by the government. Your price is exactly the same whether you go it alone or use our team’s expert assistance.
- What if I haven’t signed up for Social Security yet? That is exactly why we are here. Our specialists can guide you to the correct SSA.gov portals to ensure your Part A and Part B are active before we help you select your supplemental coverage.
- How does it work? Once you call 833-833-9711, you are connected to our team at HealthSherpa. They’ll answer questions and handle the technical side or your application.
- Do I need Parts A & B before I can enroll in a plan? Yes — and this is one of the most common mistakes new Medicare enrollees make. Parts A & B must be active before you can select Medicare Advantage, Medigap, or Part D coverage. Our specialists confirm your enrollment status before anything else.
- How do you make money? BenZen Insurance receives a small referral fee from HealthSherpa if you enroll through our partnership. You pay nothing extra — Medicare premiums are government-regulated so there are no additional fees.
Get Started!
Call (833) 833-9711 for a free consultation with a licensed Medicare specialist. (Mon-Fri, 8am-8pm EST)
Required Disclosures
TPMO Disclaimer: Our team does not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Partnership Notice: BenZen Insurance is a partner with HealthSherpa. Enrollment services are provided by licensed specialists at HealthSherpa. BenZen Insurance may receive a referral fee for these services. This is a solicitation for insurance.