What services does MyMedicareMike.com offer?

We help individuals understand, compare, and enroll in Medicare plans. Our team provides personalized guidance on Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans so you can make informed decisions with confidence.

Do you charge for Medicare consultations?

No, our services are completely free to you. As licensed and independent Medicare advisors, we’re compensated by the insurance carriers, not our clients.

What’s the difference between Medicare Advantage and Medicare Supplement Plans?

Medicare Advantage (Part C) replaces your Original Medicare and often includes extras like dental or vision. Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket costs such as copays and deductibles.

Can you help me review my current Medicare plan?

Absolutely. We provide free annual plan reviews to ensure your coverage still fits your healthcare needs and budget, since plans and costs can change each year.

When can I enroll or make changes to my Medicare plan?

The Annual Enrollment Period runs from October 15 to December 7 each year. During this time you can switch, drop, or enroll in new Medicare plans. Special Enrollment Periods may apply after certain life events.

Do you represent specific insurance companies?

No. We’re an independent agency and work with multiple top-rated carriers to find the plan that best fits your needs.

Can you assist if I’m turning 65 soon and new to Medicare?

Yes. We specialize in helping first-time enrollees understand their options, avoid penalties, and get started with the right coverage before their 65th birthday.

Do you offer in-person or virtual appointments?

We offer both. You can schedule a face-to-face meeting at our New York office or connect virtually from anywhere for the same personalized guidance.

What if I’m on Medicaid or have other health coverage?

We can help you coordinate your Medicare benefits with existing coverage—including Medicaid or employer plans—so you maintain important benefits and avoid gaps.

How can I get started with MyMedicareMike.com?

Call us or fill out the contact form on our website to schedule a free consultation. We’ll walk you through your options and help you choose coverage that gives you peace of mind.

Medicare Made Clear

Reliable Advisory Services from A Trusted Independent Broker.

We Help Seniors Navigate Medicare and the Insurance Options That Go with It.

10 Years of Experience • Over 1,000 Clients Served • Multiple Carriers Compared

Reliable Industry Source

Our Services Will Help You

We Provide Clear, Easy to Understand Information to Help You Make Informed Medicare Health Coverage Decisions

Medicare Supplement (Medigap)

Why Are Medicare Supplement Plans So Popular?

Medicare Supplement (Medigap) Plans go hand in hand with your Medicare Card as secondary coverage. When you use your Medicare Card, your Supplement is right there as a backup to handle your Medicare cost share.

How Do I Know If A Medicare Supplement Is Right For Me? Ask Yourself:

Note: If lower monthly premiums and bundled extras like dental or vision are more important, a Medicare Advantage Plan may also be worth exploring. We help clients compare both — honestly and side-by-side.

How Do Medicare Supplement Plans Actually Work?

Your Medicare Card is the primary payer

Deductibles, copays, and coinsurance

Seamless — no networks or referrals

Which Supplement Plans Are The Most Popular?

Medigap plans are standardized by the federal government. The benefits of each plan letter are identical, no matter which insurance company offers them. What isn’t identical? Monthly premiums, rate increase history, and long-term pricing behavior.

When Can I Enroll In A Medicare Supplement Plan?

Age 65 + Have Part B = 6 Month Enrollment Period to Enroll

These protections apply even if you have serious or ongoing health conditions.

This is where many people run into unexpected challenges.

Medicare Advantage (Part C)

What Are Medicare Advantage Plans?

The good news: Medicare Advantage plans work extremely well for millions of beneficiaries. The bad news: they work poorly for others — not because of the plan, but because of a lack of understanding of how the program works.

What Is Medicare Advantage?

Medicare Advantage (also called Medicare Part C) is a federally regulated Medicare program administered by private insurance companies.

When you enroll:

By law, Medicare Advantage plans must cover everything Original Medicare covers — at least as well. Many plans also include additional benefits.

Why Is Medicare Advantage Important?

HMO plans require in-network care and referrals
PPO plans allow out-of-network at higher cost
Networks vary by region and ZIP code
Networks can change annually
Hospitals matter just as much as doctors

Low or $0 premiums are real — but they are not the full story. Costs may include:

How Do I Know If Medicare Advantage is Right For Me? Ask Yourself:

Want lower premiums
Are comfortable with managed care
Prefer bundled coverage (Medical + Drugs)
Value a spending cap
Are open to reviewing your plan annually
Want dental/vision benefits included

Medicare Part D

Medicare Part D — Prescription Drug Coverage

Medicare Part D can be one of the most complicated parts of Medicare. Beneficiaries often choose the wrong plan for the wrong reasons — sometimes based on monthly premium alone, only to find out later they’re overpaying for medications.

What Is Medicare Part D?

Medicare Part D is the part of Medicare that helps cover prescription medications you pick up at the pharmacy. Part D coverage is offered by private insurance companies approved by Medicare and works alongside:

Two Ways to Get Part D Coverage:

Pair with Original Medicare — often the best option for flexibility and nationwide access.

Combines medical and prescription coverage into one plan with networks and plan rules.

Medicare Part D in 2026 — What You Need to Know

Annual out-of-pocket cap. After this, your plan pays 100% for the rest of the year.

Maximum deductible allowed. Many plans charge less or waive it for certain medications.

The cheapest premium plan is often not the least expensive plan over the year.

Why Getting Help With Part D Matters

Medications aren't covered as expected
Copays are much higher than anticipated
Pharmacies are out of network
Plan looks cheap upfront but costs more over the year
Deadlines missed, leading to penalties

A review of your current medications
A comparison of Part D plans side-by-side
Identifying Extra Help eligibility
Avoiding late enrollment penalties
Checking formularies and drug tiers
Evaluating preferred pharmacy networks

When You Can Enroll In or Change a Part D Plan

October 15 – December 7

Based on qualifying life events

When first eligible for Medicare

Medicare Part D Q & A (2026)

Can I keep my doctors with Medigap?

Yes, as long as they accept Medicare — and 99.99% of them do.

Are there networks or referrals?

Nope. No networks or referrals with Medigap plans.

Can I change Medigap plans later?

Maybe. It depends upon where you live — some states have medical underwriting after your initial enrollment period.

Why do prices vary if benefits are the same?

Because some plans pay more Medicare cost share than others. Higher premium = lower cost share.

Is Medigap better than Medicare Advantage?

Possibly. It depends upon an individual’s medical needs. A side-by-side comparison will help you decide.

Do I really need Medicare Part D if I don't take prescriptions right now?

In most cases, yes. Enrolling can help you avoid late enrollment penalties and protect you if your prescription needs change unexpectedly.

What happens if I don't enroll in Part D when I'm first eligible?

If you go without creditable prescription drug coverage and later enroll, you may face a late enrollment penalty that is added to your premium and can last as long as you have Part D.

How do I know if my prescriptions are covered by a Part D plan?

Each plan has a formulary (covered drug list). You also want to check the drug’s tier, any restrictions (prior authorization, step therapy, quantity limits), and whether your pharmacy is preferred.

Why do drug costs look different from one plan to another?

Plans negotiate pricing differently and use different tiers, pharmacy networks, and deductibles. That’s why choosing based only on premium often leads to surprises.

What is the $2,100 out-of-pocket cap for Medicare Part D?

In 2026, once you spend $2,100 out of pocket on covered drugs, your plan pays 100% for covered medications for the rest of the year.

Do all Part D plans have a deductible?

No. Some have none, some apply it only to certain tiers, and some use the full deductible (up to $615 in 2026). Whether it matters depends on your medications.

Can I change my Medicare Part D plan every year?

Yes. Most people can change Part D plans during the Annual Enrollment Period (October 15 – December 7). Reviewing each year is smart because formularies and costs change.

What is Extra Help and how do I qualify?

Extra Help is a federal program that can lower premiums, deductibles, and copays. Eligibility is based on income and resources — and many people qualify without realizing it.

Why do people get frustrated with Part D at the pharmacy?

Usually because a drug moved tiers, a pharmacy isn’t preferred, a deductible reset in January, or a restriction like prior authorization appears. These issues are common — but often avoidable with review.

Do Medicare Advantage plans really cover everything Original Medicare covers?

Yes. By law, Medicare Advantage plans must cover all medically necessary services that Original Medicare Part A and Part B cover. The difference is not what is covered — it’s how the coverage is accessed, such as networks, referrals, and prior authorizations.

If Medicare Advantage covers the same things, why do people complain?

Most complaints are about access and process, not coverage. Common frustration points include: a doctor leaving the network, referral requirements, prior authorization delays, and unexpected copays. These issues don’t mean care isn’t covered — they mean the plan has rules around how care is delivered.

Are Medicare Advantage plans bad?

No — and saying they are is misleading. Medicare Advantage plans work very well for millions of people. They work poorly when someone enrolls without understanding networks, prescription coverage, and how referrals and authorizations work. The plan isn’t the problem — the fit is.

What's the difference between an HMO and a PPO?

HMO plans usually require referrals and limit care to in-network providers (except emergencies). PPO plans allow more flexibility and may cover out-of-network care at higher cost. Neither is “better.” The right choice depends on how important provider flexibility is to you.

Do Medicare Advantage plans require prior authorization?

Most do — especially for imaging (MRI, CT scans), surgeries, infusions, and skilled nursing facility stays. Some people are comfortable with this structure; others prefer fewer administrative steps.

Do Medicare Advantage plans have a spending limit?

Yes — and this is one of their biggest advantages. Medicare Advantage plans include an annual maximum out-of-pocket limit for medical services. Once you reach it, the plan pays 100% of covered medical costs for the rest of the year. Original Medicare does not have this protection unless you add a Medicare Supplement.

Are prescription drugs covered with Medicare Advantage?

Most Medicare Advantage plans include Part D prescription drug coverage. In many areas, Medicare Advantage drug coverage is as good as or better than standalone Part D plans — but this varies by plan and medication list.

Can I switch Medicare Advantage plans later?

Yes, but when you can switch matters. Most people can change plans during the Annual Enrollment Period (fall) and the Medicare Advantage Open Enrollment Period (early in the year). Certain life events may also trigger Special Enrollment Periods.

Is Medicare Advantage cheaper than a Medicare Supplement?

It often is — monthly. Medicare Advantage usually has lower premiums, while Medicare Supplements typically cost more monthly but offer more predictable medical costs. The better option depends on budget, health usage, comfort with networks, and desire for predictability.

Why Work With An Independent Medicare Broker?

The Other Choice Is a Company Agent with the Carrier, Also Known as a "Captive Agent." Here's What to Expect:

Independent Medicare Broker

Access to Multiple Carriers for Unbiased Choices
Needs-Based Recommendations
Year-Round Service for Plan Questions/changes
Annual Reviews
Annual Medicare Recertification
Annual Carrier Education and ReCertification
Continuing Education

Captive Agent

Why Over 1,000 Medicare Beneficiaries Have Trusted Mike

“Between mail solicitations, annoying phone calls, texts, and ‘expert advice’ from family and friends, the whole turning 65 and Medicare thing can be stressful and confusing. It doesn’t have to be. My goal is to simplify the process so you can make informed decisions about your Medicare options — and oh, I am a Medicare beneficiary myself.”

— Mike Miligi

How Does All This Work?

Who We Help

People Getting Close to Age 65
People Still Working and Becoming Medicare Eligible
People with Employer Coverage and Turning 65
People with a Medicare Plan That May Need a Change
People with a Medicare Plan with Medication Issues
People with Medicare and Medicaid
And More

Small Agency, Large Footprint

We have and continue to service clients in 8 states, and you can still always get us on the phone.

Carriers We Work With

WellCare

Globe Life

Clover Health

Molina

Excellus

Highmark

Healthfirst

A Few Words From Satisfied Clients

"Mike made understanding Medicare simple and stress-free. He explained every option clearly and helped me choose a cost-effective plan that kept my doctors."

"i was overwhelmed by all the medicare options. Mike patiently explained everything and helped me enroll in the perfect plan. Highly recommend!"

"mike is incredibly knowledgeable and genuinely cares about his clients. He found me a plan i didn't even know existed. Five stars!"

Ready To Get Answers?

Let's Take the Mystery Out of Medicare. Book Your Free Review with Mike.