Secure Your Future with Medicare Coverage

Comprehensive Medicare solutions designed to protect you and give you peace of mind for your healthcare needs

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Over 50 Years of Trusted Medicare Expertise

At AvaMedicare, we've been helping seniors navigate Medicare coverage for over five decades. Our mission is to empower you with the knowledge and coverage options you need to make informed healthcare decisions.

We understand that Medicare can be complex. That's why our licensed agents are dedicated to providing personalized guidance, ensuring you find the right plan that fits your unique needs and budget. Your health and financial security are our top priorities.

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Our Medicare Solutions

Comprehensive coverage options tailored to your healthcare needs and lifestyle

Medicare Advantage

All-in-one alternative to Original Medicare that often includes prescription drug coverage, dental, vision, and wellness programs for comprehensive care.

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Medicare Supplement (Medigap)

Fill the gaps in Original Medicare by covering copayments, coinsurance, and deductibles. Keep your choice of doctors and hospitals nationwide.

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Part D (Drug Plans)

Prescription drug coverage to help reduce your medication costs. Choose from plans with different drug formularies and pharmacy networks.

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Why Choose AvaMedicare?

We go beyond coverage to provide exceptional service, education, and peace of mind

Freedom of Choice

Keep your preferred doctors and hospitals with our Medicare Supplement plans that work with any provider accepting Medicare nationwide.

Licensed Expert Agents

Speak directly with knowledgeable, licensed Medicare specialists-not automated systems-who understand your unique healthcare needs.

Educational Support

We prioritize Medicare education and transparent guidance to help you understand all your coverage options and make confident decisions.

Comprehensive Protection

Our Medicare plans help cover deductibles, coinsurance, and additional benefits to minimize your out-of-pocket healthcare expenses.

Understanding Medicare Coverage

Essential Medicare education to help you make informed healthcare decisions

Part A: Hospital Insurance

Part B: Medical Insurance

Part D: Drug Coverage

Medicare Advantage

Key Medicare Benefits You Should Know:

  • Original Medicare covers hospital stays, doctor visits, and preventive services
  • Medicare Supplement plans help pay for out-of-pocket costs like copays and deductibles
  • Part D plans reduce prescription drug costs with various coverage tiers
  • Medicare Advantage bundles hospital, medical, and often prescription coverage

Medicare Supplement Plans

Standardized Medigap plans (A-N) with identical benefits across all insurance companies

Plan A

Provides the core benefits of Medicare Supplement coverage, including full payment of Medicare Part A hospital coinsurance and an extra 365 days of hospital care after Medicare benefits are used up. Also covers Part B coinsurance for doctor visits and medical services, helping reduce unexpected out-of-pocket expenses.

Plan B

Includes all the benefits of Plan A plus coverage for the Medicare Part A deductible, which helps lower the cost of hospital stays. It’s a strong choice for those who want foundational Medicare Supplement protection with added inpatient coverage security.

Plan C

Offers one of the most comprehensive sets of benefits, covering both Part A and Part B deductibles, skilled nursing facility coinsurance, and emergency medical care during foreign travel. Ideal for retirees who want broad coverage with minimal out-of-pocket costs.

Plan D

Includes all Plan B benefits plus coverage for skilled nursing facility coinsurance and foreign travel emergency expenses. It’s designed for individuals who want balanced protection without covering the Part B deductible.

Plan F

The most comprehensive Medicare Supplement plan, covering every cost that Original Medicare doesn’t, including Part A and Part B deductibles, excess charges, coinsurance, and skilled nursing care. Perfect for those who want predictable, worry-free healthcare costs.

Plan G

Currently the most popular Medigap option, Plan G offers nearly full coverage of all Medicare gaps except the Part B deductible. It includes hospital costs, Part B coinsurance, excess charges, and skilled nursing facility care-providing broad, reliable protection for ongoing medical needs.

Plan K

Provides 50% coverage for most Medicare cost-sharing amounts and includes an annual out-of-pocket limit for added protection. Once you reach the limit, Plan K covers 100% of eligible costs for the rest of the year, offering an affordable balance between coverage and budget.

Plan L

Covers 75% of most Medicare-covered expenses and includes an annual out-of-pocket cap to protect you from high costs. After reaching that limit, Plan L pays 100% of covered benefits. It’s a smart choice for those who want partial coverage with a safety net.

Plan M

Shares 50% of the Medicare Part A deductible while covering the full Part B coinsurance and hospital coinsurance. This plan is great for people looking for moderate monthly premiums with dependable inpatient and outpatient coverage.

Plan N

Provides 100% coverage for Medicare Part B coinsurance, with small copayments for doctor visits and emergency room trips. Plan N also includes coverage for hospital costs and skilled nursing care, making it a cost-effective and popular option among Medicare beneficiaries.

Plan A

Provides the core benefits of Medicare Supplement coverage, including hospital coinsurance and an extra 365 days of inpatient care, plus Part B coinsurance coverage for medical services.

Plan B

Expands on Plan A by adding coverage for the Medicare Part A deductible, helping reduce hospital stay expenses and ensuring reliable inpatient protection.

Plan C

Comprehensive protection covering nearly all Medicare gaps, including Part A and B deductibles, skilled nursing, and emergency foreign travel benefits.

Plan D

Offers expanded coverage for hospital, skilled nursing, and travel emergencies, while excluding only the Part B deductible for lower monthly premiums.

Plan F

Covers all Medicare out-of-pocket costs including deductibles, excess charges, and coinsurance for full peace of mind with no surprise bills.

Plan G

Delivers near-complete coverage, excluding only the Part B deductible, and includes benefits for hospital care, outpatient visits, and skilled nursing facilities.

Plan K

Covers 50% of most Medicare costs and caps annual out-of-pocket spending, giving flexibility with lower premiums and protection from major expenses.

Plan L

Pays 75% of eligible Medicare expenses with an annual maximum limit, offering a balanced approach for those who prefer moderate premiums.

Plan M

Covers 50% of the Part A deductible and all Part B coinsurance, providing steady coverage for hospital and outpatient services at a moderate cost.

Plan N

Covers all major Medicare gaps with low copays for visits and ER care, keeping monthly premiums affordable while ensuring reliable protection.

Need help choosing the right Medicare plan for your needs?

Speak to a Licensed Agent

Understanding Your Medicare Costs

How Medicare Supplement plans help reduce your out-of-pocket healthcare expenses

1

Part B Premium

Standard monthly premium for Medicare Part B medical coverage

2

Annual Deductibles

Part A and Part B deductibles you pay before coverage begins

3

Coinsurance

Your share of costs for covered services after deductible

4

Out-of-Pocket Limits

Maximum annual costs with certain Medicare Supplement plans

Medicare Supplement plans can significantly reduce these costs and protect your savings

Get a Free Cost Analysis

How Enrollment Works

Simple steps to secure your Medicare coverage and enjoy peace of mind

1

Contact Us

Speak with a licensed Medicare specialist

2

Needs Assessment

Discuss your healthcare needs and budget

3

Compare Plans

Review Medicare options tailored to you

4

Enroll Easily

Complete application with expert guidance

5

Enjoy Coverage

Receive comprehensive Medicare protection

What Our Members Say

Real experiences from seniors who trust AvaMedicare for their healthcare coverage

Frequently Asked Questions

Common Medicare questions answered by our licensed experts

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers, often including prescription drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to help pay copayments, coinsurance, and deductibles.

When can I enroll in Medicare?

Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after your birthday month. There's also an Annual Enrollment Period (October 15 - December 7) when you can make changes to your coverage.

Do I need a Medicare Supplement plan if I have Medicare Advantage?

No, you cannot have both. Medicare Advantage replaces Original Medicare, while Medicare Supplement works with Original Medicare. You must choose one or the other based on your healthcare needs and preferences.

Can I keep my current doctor with Medicare?

With Original Medicare and a Medicare Supplement plan, you can see any doctor or specialist who accepts Medicare nationwide. With Medicare Advantage, you typically need to use providers within the plan's network.

Does Medicare cover prescription drugs?

Original Medicare does not cover most prescription drugs. You'll need to enroll in a separate Part D prescription drug plan or choose a Medicare Advantage plan that includes drug coverage to help pay for medications.

Get in Touch

Reach out to our licensed Medicare specialists for personalized assistance

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Speak to a Licensed Medicare Specialist

Our experienced Medicare agents are here to help you understand your coverage options, compare plans, and guide you through enrollment-all at no cost to you. Whether you’re new to Medicare or reviewing your existing coverage, we’re ready to simplify the process.

  • Get answers about Medicare Parts A, B, C & D
  • Personalized plan comparisons tailored to your needs
  • Step-by-step help with enrollment or switching plans
  • Support available by phone or secure online consultation

+1 (346) 421-1870

[email protected]

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