Do you already have Medicare?

Explore Medicare plans that better meet your health and financial needs, and ensure you’re getting the most out of your benefits.

Are there better options?

If you already have a Medicare plan but are searching for better options, you know how challenging it can be to find the right fit for your needs and budget. J Johnston Insurance’s Make Medicare Work concierge service specializes in this exact process. With years of experience, we have helped thousands of Medicare beneficiaries upgrade their plans to better suit their healthcare needs. Best of all, our services are completely free!

Even if you’ve been on Medicare for a while, the system can still be confusing. Plans and regulations change annually, making it crucial to stay updated. Having the right health insurance is vital for accessing the care you need without overspending.

In this session, we will guide you through the steps to effectively compare and select better Medicare plans. While you don’t have to navigate this process alone, understanding how to choose the best plan will help ensure you get the coverage you need.

Comparing supplement plans

Medicare Supplement plans, also called Medigap plans, are a way for beneficiaries to add to their coverage under Original Medicare (Parts A and B). These plans act as secondary insurance, covering some or all of the costs that you’d normally have to pay out-of-pocket.

Although there are around 10 Medigap plans available, the most popular choices are Plans F, G, and N.

Need the right Medicare plan?

Types of Plans

Let’s dive deeper into each part of Medicare and the supplemental coverage available to beneficiaries.

Original Medicare consists of Part A and Part B and is often referred to as Traditional Medicare. This is the starting point for all beneficiaries, as you must enroll in both Parts A and B before selecting any additional coverage.

Original Medicare

Inpatient

Outpatient

Medigap Plan A

Medigap Plan A, also known as Medicare Supplement Plan A, is a basic plan that helps cover the 20% of outpatient medical expenses that Traditional Medicare does not cover.

Medigap Plan B

Medigap Plan B provides similar benefits to Plan A but also includes coverage for Original Medicare’s Part A hospital deductible.

Medicare Part C

Medigap Plan C covers nearly all of Original Medicare’s copayment and coinsurance requirements, with the exception of Medicare Part B’s excess charges, which may not be applicable in all states.

Medicare Part D

Medigap Plan D is one of the 10 standardized Medicare Supplement insurance policies designed to cover the gaps in coverage left by Original Medicare.

Medigap Plan K

Medigap Plan K covers Original Medicare’s hospital deductible and 50% of coinsurance and copayment expenses, providing a more affordable option for supplemental coverage.

Medigap Part L

Medigap Plan L covers a percentage of your out-of-pocket expenses left by Original Medicare and includes an annual out-of-pocket maximum limit of $3,470 (in 2023).

Medigap Plan M

Medigap Plan M offers similar benefits to other supplement plans but with a lower premium, requiring you to pay part of your Original Medicare deductibles.

High Deductible Plan G

Medigap High Deductible Plan G is a great option for those seeking the network flexibility of Medigap with a lower monthly premium than Plans F, G, or N.

See what customers are saying...

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   Darcy Roy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great company. Denise and Lynn do a great job. very knowledgeable!
  
 
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   Denise Pearson 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have experienced the TRUE definition of Personal service so many times here. Along side is the professionalism and knowledge exhibited by these amazing brokers. I have and will continue to refer my friends to them.
  
 
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   Linda Moore 
 
 
 
 Trustindex verifies that the original source of the review is Google. With the help of Denise Anderson, I recently changed my health insurance.  Denise answered all questions with patience and concern for my anxiety.  After over two years of NOT changing, I finally did change to a new carrier.   Everything she told me was true.  I could not be happier or more satisfied with my choice.  Thank you Denise for your patience and guidance.
  
 
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 Trustindex verifies that the original source of the review is Google. We have been dealing with Denise Anderson, our Medicare Representative for about two to three years now.  She is outstanding and is always timely and thorough, as well as helpful, cheerful and kind.  She is quite knowledgeable and finds us the best way to go with our Medicare.  We enjoy meeting with her and always come away pleased.
  
 
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   Arnie Cicerone 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very good meeting covered everything in detail . Extremely knowledgeable and pleasant to talk to.
  
 
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   David Schlick 
 
 
 
 Trustindex verifies that the original source of the review is Google. I needed to change healthcare plans and Denise helped me out a lot, hooked me up with just the right plan.  I would recommend this business and its employees wholeheartedly.  They have the right amount of experience and a lot of expertise.  Denise asked me questions to narrow down my needs and interests and found a plan that fitted me perfectly and did it so quickly and without any issues.
  
 
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   Paul Pekarsky 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was an absolute pleasure wading through the myriad of Medicare options with Denise as my guide.  She is very knowledgeable,  patient and helpful.   She listened to all my questions and made sure I fully understood the answers.  I would recommend Denise to anyone who has Medicare needs and questions.
  
 
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   Norann King 
 
 
 
 Trustindex verifies that the original source of the review is Google. For the first time I used a insurance broker for my Medicare insurance. I’ve had Kaiser for years and been very disappointed, it was time for a change.  I did my research and discovered Make Medicare Work best decision I’ve ever made! My brokers name is Denise Anderson, she has been amazing! I gave her the information she needed and what I was looking for and she narrowed it down, gave me several choices plus doctors to choose from if I wanted that list, she did all the work for me and I believe I made the right choice with her help. Denise  made it so easy, do not hesitate to let Denice help guide you to the right insurance, hospital and doctors when making your medical policy choices.
  
 
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 Trustindex verifies that the original source of the review is Google. Denise was so helpful and knowledgeable when we were deciding on our Medicare strategy.  She helped us make a decision and worked overtime to get us information in a timely manner.
  
 
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