Blog Article
Understanding Medicare Basics
Medicare Advantage
Medicare Advantage
The individual healthcare marketplace is complicated. We’re here to help simplify the information and guide you through your healthcare journey.
Find the Medicare Coverage That Fits Your Needs
Explore Medicare Advantage plans that combine medical care, prescription drug coverage, and extra benefits to simplify your healthcare. Discover whether a Part A, Part B, or an all-in-one Medicare Advantage plan is right for your unique needs, and find the coverage that best fits your health and lifestyle. Plan availability and benefits vary by carrier and service area.
Medicare prescription drug plans (Part D) help seniors access affordable medications. Explore options to cover prescriptions and support your overall healthcare needs.
Medicare supplemental (Medigap) plans help fill gaps in Original Medicare, covering costs like co-pays and coinsurance. Protect your health and finances with coverage designed for seniors.
Connect with an Agent
1-888-530-2586 | TTY/TDD: 711
We're here to assist you in navigating your options.
Hours of operation (M-F 8am CST – 6pm CST)
By calling this number, you will be connected with a licensed insurance agent.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Keep Your Healthcare Costs Predictable and Affordable
$5,320
Average out-of-pocket limitWith the average Medicare Advantage out-of-pocket limit around $5,320 for in-network services, Medicare Advantage plans include annual limits on in-network out-of-pocket spending, which Original Medicare does not provide.
*Kaiser Family Foundation, 2024
$2,100
Part D out-of-pocket maximumThanks to recent reforms, out-of-pocket drug spending (Part D) is capped at $2,100 per year, helping seniors avoid surprise prescription bills.
*CMS Medicare Part D Redesign, 2025
Guiding You Through Every Step
Our licensed Benefits Agents walk you through all parts of Medicare (A, B, C, and D), including:
- When to enroll based on your age, employment status, and health coverage
- Whether to stay on an employer group plan or transition to Medicare
- How dependent or spousal coverage might affect your choices
- Plan types like Medicare Advantage, Supplement, and Part D prescription
Availability and benefits vary by plan, carrier, and location
We help you make informed decisions. Our team is committed to:
- Clarifying what Medicare does and doesn’t cover
- Explaining the costs and implications of each path
- Helping you avoid common enrollment mistakes
Availability and benefits vary by plan, carrier, and location.
Talk to a real person who understands Medicare. We offer:
- Free individual consultations by phone or virtually
- Step-by-step support throughout the enrollment process
- Guidance on integrating Medicare with employer coverage if needed
- Insights on how plan availability, carrier networks, and coverage can vary by state
Availability and benefits vary by plan, carrier, and location.
Medicare Guidance
Blog Article
Closing the Gap: Understanding Medicare Supplement Insurance
Your Medicare Questions, Answered
Quick answers to frequently asked Medicare questions.
Deciding whether to stay on your employer plan or enroll in Medicare depends on several factors, including your age, the size of your employer, and the coverage your current plan provides. Generally:
- If your employer has 20 or more employees, you may be able to stay on your employer plan without penalty when you enroll in Medicare.
- If your employer has fewer than 20 employees, Medicare may be your primary coverage, and enrolling could save you money.
- Consider costs, benefits, and prescription drug coverage — compare your current plan with Medicare options to see what best meets your health and financial needs.
OneDigital Advanced Health can help you review your options and guide your decision, so you can make an informed choice that fits your unique situation. Plan availability and benefits vary by carrier and service area.
Original Medicare includes Part A (hospital) and Part B (medical) coverage, allowing you to see any doctor who accepts Medicare. Medicare Advantage (Part C) is offered by private insurers and bundles Part A, Part B, and often Part D (prescription drug coverage) into a single plan. Choosing between them depends on your healthcare needs, preferred providers, cost considerations, and how you want your coverage structured.
Read OneDigital’s Understanding Medicare Basics to learn more about the types of Medicare offerings, what they cover and eligibility requirements. Plan availability and benefits vary by carrier and service area.
You can enroll in Medicare during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday month and lasts seven months total. If you miss this window and don’t have other qualifying coverage, you may face late enrollment penalties for Part B or Part D, which can increase your premiums. Special Enrollment Periods may be available if you’re still covered by an employer plan. Plan availability and benefits vary by carrier and service area.
Medigap helps cover costs Original Medicare doesn’t, like deductibles and copays. It offers flexibility to see any Medicare provider, guaranteed renewability, and standardized benefits across plans (A–N). Consider your health needs, budget, and provider preferences when deciding if extra coverage is right for you. Medigap cannot be used with Medicare Advantage plans.
Read OneDigital’s Closing the Gap: Understanding Medicare Supplement Insurance for more information. Plan availability and benefits vary by carrier and service area.
For Employers
Provide Medicare-eligible employees with healthcare options that fit their needs
OneDigital Advanced Health helps employers guide Medicare-eligible employees through their healthcare choices.
Speak to a licensed agent today.
We're here to assist you in navigating your options.
1-888-530-2586 | TTY/TDD: 711
Hours of operation (M-F 8am CST – 6pm CST)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
SMID # MULTIPLAN_ODAH0126_C