Medicare Can Be Confusing - We Make It Clear
If you're turning 65 or already on Medicare, you've probably noticed how many options there are - and how fast the details get overwhelming. Suggs Insurance Agency helps seniors and families in the Sanford area understand Medicare step by step, without pressure or confusing jargon. We explain what each plan type means, compare options from trusted insurers, and help you enroll with confidence. When you want personal guidance from someone nearby, our local team is here to help.
Medicare Options We Help You Compare
Original Medicare (Part A & Part B)
The foundation of Medicare provided by the government. It helps cover hospital and medical services but leaves certain out-of-pocket gaps.
Medicare Supplement (Medigap)
Private plans designed to help cover costs Original Medicare doesn't fully pay - like deductibles and coinsurance. Often paired with a separate drug plan.
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare offered by private insurers. Many plans include prescription drug coverage and extra benefits, but they use provider networks.
Medicare Part D Prescription Drug Plans
Prescription coverage for those on Original Medicare and many Medigap combinations. We help you compare plans based on your medications and preferred pharmacies.
Annual Reviews & Plan Updates
Plans and benefits can change each year. We help you review your coverage during enrollment windows and decide whether switching makes sense.
Local Medicare Help That Puts You First
Choosing a Medicare plan should feel calm and clear - not rushed or confusing. We'll check that your doctors, medications, and budget are aligned with the plan you choose, and we'll explain trade-offs in plain language. Our team stays up to date on Medicare changes and plan availability in North Carolina so you're not relying on guesswork. And yes - our help is typically at no additional cost to you, with no obligation to enroll.
Medicare Advantage vs. Medigap at a Glance
This overview helps you understand the practical differences between two common Medicare paths.
| OPTION | HOW IT WORKS | WHAT TO CONSIDER |
|---|---|---|
| Medicare Advantage (Part C) | Bundles coverage through a private plan | Network rules (HMO/PPO), copays, and plan benefits vary. |
| Medigap Supplement | Helps pay Original Medicare gaps | Higher premium, often lower out-of-pocket costs. |
| Part D Drug Plan | Prescription coverage | Medication lists and pharmacy networks matter. |
| Annual Review | Plan check each year | Benefits and costs can change annually. |
Not sure which path fits you best?
We'll help you decide.
Common Questions About Medicare
What's the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage is a private plan that replaces Original Medicare and usually uses a provider network. Medigap works alongside Original Medicare to help cover gaps like deductibles and coinsurance.
Is there someone near Sanford who can help me sign up for Medicare?
Yes. We provide local, one-on-one guidance for turning 65 and for anyone reviewing existing coverage.
How do I choose the right Part D prescription plan?
We compare plans based on your medications, preferred pharmacies, and cost structure so you can avoid surprises at the counter.
When is Medicare Open Enrollment?
Medicare Annual Enrollment runs from October 15 to December 7 each year. It's a key time to review whether your plan is still the best fit.
Can you explain things in Spanish?
Yes - Hablamos Español. We can help Spanish-speaking seniors and families understand plan options and next steps.
Get Medicare Help With a Local Expert
If you're turning 65 or unsure about your current plan, we're here to help you feel confident about your coverage. Schedule a free, no-obligation Medicare consultation with our Sanford team today.
