is an independent health insurance broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency.
Enter your Zip Code
100% Safe and secure Frequently Asked Questions

Here are answers to some of the most common questions about Medicare and this website.

Is a government website?

No. is privately-owned, and is not affiliated with government or endorsed by the government’s Medicare program. connects you with leading carriers and brokers offering Private Medicare Insurance.

What is Medicare?

There are two types of Medicare coverage: Medicare Part A and Part B, and Private Medicare Insurance.

Medicare Part A and Part B is offered by the federal government. It provides basic inpatient and outpatient health coverage. Part A is for inpatient or hospitalization coverage and Part B is for outpatient or doctor visit coverage. You must be 65 years or older to be eligible for Medicare. You must be 65 or older to be eligible for Medicare, or you must have a qualifying disability. Please visit or to learn more about enrollment. You can also learn more about Medicare Part A and Part B here.

For those who need additional health coverage and benefits, Private Medicare Insurance is available to complement Medicare Part A and Part B coverage. Learn more about the different types of Private Medicare plans here.

Does Medicare Part A and Part B provide enough coverage?

Only you can decide how much health care you need. That said, Private Medicare plans continue to be a viable choice for consumers looking to get more health benefits and additional coverage.

For those who regularly see the doctor, the out-of-pocket costs can add up if they only have Medicare Part A and Part B. Though buying additional coverage often comes with a monthly premium, many find that a Private Medicare plan can lower their total cost of health care, since they pay less for out-of-pocket costs. Medicare Advantage plans also generally place a maximum limit on these out-of-pocket fees, which can include deductibles, coinsurance, and copayments.

Keep in mind that Medicare Part A and Part B does not provide coverage for prescription drugs (outside of a hospital, if you are receiving inpatient services). Paying for prescription drugs without coverage might be expensive, especially for those who regularly need medication. Medicare Part A and Part B also does not cover vision, dental, hearing aids, long term care, and health care when traveling internationally. Some of these benefits may be offered with private insurance.

How can I get Additional Medicare Coverage?

You may be able to get additional health coverage, benefits, and limit out-of-pocket costs by enrolling in a Private Medicare plan. Medicare Advantage plans have an out of pocket maximum. You can compare your Private Medicare options with

Those who are 65 or older who have paid these taxes and currently receive benefits from Social Security or the Railroad Retirement Board will automatically be enrolled in Medicare Part A and Part B. If you do not receive these benefits, are under 65, suffer from a disability, or have questions about your eligibility for Medicare Part A and Part B, check with the government or visit

For those who are not automatically enrolled, keep in mind that the Initial Enrollment Period for Medicare Part A and Part B begins 3 months before you turn 65, includes the month you turn 65, and ends 3 months after you turn 65. If you miss the Initial Enrollment Period, you can sign up during the General Enrollment Period, which begins January 1st and ends on March 31st in 2023. You may also be eligible to enroll during a Special Enrollment Period. Special Enrollment periods occur when you have certain life changes, such as moving or losing coverage. Medigap and MA require enrollment in both Parts A & B, but PDP plans only require enrollment in one or the other.

Who is eligible for Private Medicare Insurance and when can I enroll?

Those who are eligible for, or currently signed up with, Medicare Part A and Part B are generally also eligible for Private Medicare insurance.

Enrollment for Private Medicare insurance differs by the type of plan. For Medigap plans, the best time to enroll is during the Medigap Open Enrollment Period. This period begins on your 65th birthday and ends 6 months after you turn 65. If you miss this period, you may have to pay a higher premium for Medigap, so it is important to enroll within 6 months of turning 65.

For both Medicare Advantage and Medicare Part D, you can enroll during the Initial Enrollment Period, which begins 3 months before you turn 65, includes the month you turn 65, and ends 3 months after you turn 65. Existing Medicare beneficiaries can also enroll in a Medicare Advantage or Part D plan during the Annual Enrollment Period, which begins on October 15 and ends on December 7 in 2023. Open Enrollment is a great time to make changes to your existing plan, or switch to a new plan.

Learn more about the different enrollment periods here.

To start comparing Medigap, Medicare Advantage, and Medicare Part D plans, please submit your zip code.

Still looking for rates?, a licensed health insurance broker, can help you get a competitive quote.
Want to see other companies' rates? Check out these insurers that serve your area:
Find Plans Online and Save:
Get in Touch
QuoteLab, LLC
700 S. Flower St., Suite 640.
Los Angeles, CA 90017 is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage 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.

We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.