Medicare Plans Made Clear With Local Guidance

Understanding Your Medicare Options

Medicare plans can feel complex when you are comparing benefits in different counties and states. B.I.G.S. simplifies Medicare insurance options with straight answers and practical comparisons. We help you review Original Medicare Parts A and B, then decide whether Medicare Advantage, a Medicare Supplement, and Part D drug coverage fit your needs and budget. If you want quick help to compare Medicare options, our licensed agents can review your doctors, prescriptions, and pharmacies for your ZIP code.

Medicare Advantage Plans With Local Networks

Medicare Advantage plans bundle hospital, medical, and often prescription coverage in one ID card, with extras like dental, vision, and transportation in many service areas. B.I.G.S. partners with leading carriers so you can weigh premiums, copays, network access, and extras. Our Medicare agents walk through referrals, out-of-pocket caps, and county availability so you choose confidently for your location.

Medicare Supplement Plans That Cover Gaps

Medicare Supplement plans, also called Medigap, work with Original Medicare to reduce expenses like deductibles and coinsurance. Because Medigap is not tied to networks, you can visit any doctor nationwide who accepts Medicare, which helps frequent travelers and snowbirds. B.I.G.S. explains standardized plan designs and pricing by age and location so you can balance predictability and cost wherever you live.

Medicare Part D Prescription Drug Plans

Part D plans help pay for prescriptions for those on Original Medicare. Formularies and pharmacy networks vary by plan, so our team checks your medications, dosages, and preferred retailers to find the lowest total cost. B.I.G.S. also reviews mail order options and prior authorization rules so there are fewer surprises at the counter.

When and How to Enroll

Enrollment Periods to Know

Most people enroll around their 65th birthday during the Initial Enrollment Period. The Annual Enrollment Period each year runs from October 15 to December 7 for changes to Medicare Advantage or Part D. Special Enrollment Periods may apply after moves, loss of employer coverage, or qualifying life events. For date specifics and reminders, check Medicare enrollment dates in our resources.

Getting Started with B.I.G.S.

Schedule a free consultation with a licensed Medicare broker. We prepare comparisons for your ZIP code, answer questions about doctors and drug coverage, and submit applications at your pace. Appointments are available by phone, video, or in person where available.

Why Choose B.I.G.S. for Medicare Help

Person pointing at a checklist on a wall.

Unbiased Guidance Across Top Carriers

We compare plans from a broad portfolio so recommendations match your doctors and budget, not just one company’s offerings.

Two hands shaking, representing a deal or agreement.

Local and Nationwide Support

Whether you split time across states or move during the year, B.I.G.S. stays with you to update coverage as needs change.

Outline of people joined at the hands, around a circle.

Ongoing Service After Enrollment

Count on yearly reviews, claims assistance, and clear explanations when formularies or networks shift. If you want to see who is behind the work, you can learn about our team and how we support clients across diverse communities.

Medicare Plans: Common Questions

  • What is the difference between Medicare Advantage and Medigap

    Medicare Advantage is an all-in-one alternative administered by private insurers that often includes drug coverage and extra benefits. Medigap is supplemental coverage you add to Original Medicare to help pay out-of-pocket costs while keeping nationwide provider choice.

  • Do I need a drug plan if I have Medigap

    Yes if you want prescription coverage. Medigap does not include drugs, so most people pair it with a stand-alone Part D plan.

  • Can I change my Medicare plan later

    Yes. During the Annual Enrollment Period each fall you can switch Medicare Advantage or Part D plans. Some situations also qualify for Special Enrollment Periods.

  • Is there a fee to work with B.I.G.S.

    No. Our services are free to you. Carriers compensate our agency so your premium is the same whether you enroll through BIGS or directly.