Question 1

What is the difference between Medicare Advantage and Medicare Supplement?

Accepted Answer

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes Part D and extra benefits. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and coinsurance. Advantage plans often have lower premiums but network restrictions; Medigap has higher premiums but broader provider access.

Question 2

Do I need a separate Part D plan if I choose Medicare Advantage?

Accepted Answer

Most Medicare Advantage plans include built-in Part D prescription drug coverage (MAPD plans). If you choose Original Medicare plus a Medigap policy, you will typically need a standalone Part D plan to cover prescriptions.

Question 3

Can I switch Medicare plans every year?

Accepted Answer

Yes. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. During this window you can switch between Medicare Advantage plans, switch from Advantage to Original Medicare, or change your Part D plan. Changes take effect January 1.

Question 4

Is there a cost to use SwitchBlue to compare Medicare plans?

Accepted Answer

No. Our plan comparison and enrollment guidance is completely free to you. We receive standard commissions directly from insurance carriers, which means there is never a charge to use our services.

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