Medicare Plans in Columbus, Ohio
Compare Medicare Advantage, Supplement, and Part D plans — with an independent agent who works for you, not the insurance company.
Understanding Your Medicare Options
Every situation is different. We help you find the plan that fits your doctors, medications, and budget.
Medicare Advantage (Part C)
All-in-one coverage
Combines Parts A, B, and usually D into one plan. Often includes extra benefits like dental, vision, hearing, and gym memberships. Offered by private insurers approved by Medicare.
Advantages
- $0 or low monthly premiums
- Extra benefits (dental, vision, hearing)
- One card for all coverage
- Annual out-of-pocket maximum
Considerations
- –Network restrictions (HMO/PPO)
- –May require referrals
- –Coverage can change annually
Medicare Supplement (Medigap)
Fill the gaps in Original Medicare
Works alongside Original Medicare to cover costs like copays, coinsurance, and deductibles. Standardized plans (A, B, D, G, K, L, M, N) sold by private insurers.
Advantages
- See any Medicare-accepting doctor
- Predictable costs
- Guaranteed renewable
- No network restrictions
Considerations
- –Higher monthly premiums
- –Does not include Part D
- –Medical underwriting may apply
Medicare Part D
Prescription drug coverage
Standalone prescription drug plans that work with Original Medicare or Medigap. The Inflation Reduction Act capped out-of-pocket drug costs at $2,100 in 2026.
Advantages
- $2,100 out-of-pocket cap in 2026
- Medicare Prescription Payment Plan (M3P)
- Wide formulary options
- Low-income subsidies available
Considerations
- –Separate monthly premium
- –Formulary varies by plan
- –Coverage gap eliminated (2025 onward)
New for 2026 — Part D Changes
$2,100 Out-of-Pocket Cap
The Inflation Reduction Act introduced a hard cap on annual Part D drug costs — no more catastrophic spending on prescriptions.
No More Coverage Gap
The "donut hole" coverage gap phase has been eliminated, simplifying how your drug costs are calculated throughout the year.
Medicare Prescription Payment Plan
The M3P option lets you spread out-of-pocket drug costs evenly across the year instead of paying all at once at the pharmacy.
Help a friend or family member find the right Medicare coverage.
Frequently Asked Questions
You can first enroll in Medicare during your Initial Enrollment Period (IEP) — the 7-month window that starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after.
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, when you can switch, join, or drop Medicare Advantage or Part D plans.
Ready to Find Your Best Medicare Plan?
Free consultation — no pressure, no obligation. Kevin will personally compare plans for you.