Medicare Advantage
Compare MA plans that may bundle hospital, medical, and often drug coverage—plus extras like dental, vision, and fitness benefits in your area.
Shop Advantage plans
Find a Medicare plan in your area
Find a 5 Star plan in your area and switch today
Find your Medicare match however you prefer
Medicare Supplements
Explore Medigap policies that help cover Original Medicare deductibles, coinsurance, and other out-of-pocket costs for more predictable bills.
Shop Supplements
Medicare Part D
Find standalone prescription drug plans and compare formularies, deductibles, and pharmacy networks so your medications stay covered.
Shop Part DWhat is IRMAA, and why did my premium suddenly jump?
IRMAA is an income-related monthly adjustment amount. Higher reported income from two years prior can raise Part B and Part D premiums. A life-changing event—retirement, marriage, divorce, or loss of income—may qualify you to request a reduction with Social Security Form SSA-44.
What is Medicare Advantage?
An all-in-one alternative to Original Medicare from private insurers. Plans often include hospital and medical coverage and may add drugs, dental, vision, or fitness benefits—usually with network rules and prior authorization.
Can I have Medigap and Medicare Advantage at the same time?
No. Medigap only works with Original Medicare (Parts A and B). If you join a Medicare Advantage plan, you generally cannot use a Medigap policy alongside it, and new Medigap rights after leaving Advantage are limited outside guaranteed-issue windows.
What is the Part D late-enrollment penalty—and does it ever go away?
If you go 63 or more days without creditable drug coverage after your Initial Enrollment Period, Medicare can add a permanent surcharge to your Part D premium. The penalty usually continues for as long as you have Part D. Creditable coverage from an employer or union can protect you if documented.
How do Special Enrollment Periods differ from the Annual Enrollment Period?
AEP (Oct. 15–Dec. 7) lets most people change Advantage or Part D plans for Jan. 1. SEPs are triggered by life events—moving, losing coverage, qualifying for Extra Help, or leaving a 5-star plan under limited rules—and often have shorter windows and narrower plan choices.
What is the skilled nursing “3-day rule”?
Original Medicare typically requires a medically necessary inpatient hospital stay of at least three consecutive days (not counting the discharge day) before covering a skilled nursing facility stay. Observation status does not count. Some Medicare Advantage plans waive or modify this rule—check your Evidence of Coverage.
What are Medicare Supplements?
Medigap policies help cover Original Medicare deductibles, coinsurance, and copayments. They work alongside Original Medicare and use standardized plan letters in most states.
What is Medicare Part D?
Optional prescription drug coverage. Get it as a standalone plan with Original Medicare, or through many Medicare Advantage plans that include drug benefits. Formularies, tiers, and pharmacy networks vary by plan.
How do I find a 5-star plan?
Enter your ZIP on the Medicare Reviews homepage to compare plans near you—star ratings, premiums, and benefits—then confirm doctors and medications before enrolling.
What is the Sponsored Advertising Engagement Wallet?
The Sponsored Advertising Engagement Wallet on Medicare Reviews tracks credits from labeled sponsored ads—such as coupons, real estate, and finance offers—while you research Medicare. Use Connect Wallet to activate and review payouts.
Trusted Steward of Medicare Education and Enrollment
- Centuries Mutual operates Medicare Reviews with published disclosures, privacy notices, and compliance standards you can review at any time.
- We publish Medicare education—plain-language guides, comparisons, and answers—so you can research coverage on your terms.
- The Sponsored Engagement Wallet is entirely optional: if you choose to opt in, credits from clearly labeled ads accrue only when you decide to participate.
- You stay in control—browse education, talk to an agent, enroll when ready, and add the complimentary Wallet only if you want credits from labeled sponsored ads.
Powered by Centuries Mutual
No obligation necessary