Considering Medicare plans?

Get in touch with DreamhealthQuotes.

We are here to help you choose the best Medicare plan and make the most of all the benefits to which you are entitled. You are not required to enroll; the decision is entirely up to you.


We Assist You in Exploring the Various Medicare Plans

Medicare is a comprehensive set of coverage for people who are 65 years of age or under with certain disabilities. The challenge here is to understand and identify the best fit of basic pans for your coverage and to assess costs for your ease.  You might also need to verify if your plan and prescription drugs coverage is admissible to your physician.

The Best Medicare Plan for You

Your needs and budget define the best Medicare plan for you. Fundamental Medicare typically covers your Hospital insurance (Part A, emergency & inpatient) along with medical insurance (Part B, outpatient consulting). Part A and Part B, however, constitute Medicare coverage in its most basic form with limitations and may require additional coverage options.


In case you require prescription drugs as well, you might want to opt for Medicare Advantage plans (Part C) that are different from basic plans and cover a range of prescription drugs. Additional prescription drugs coverage is covered in Medicare Prescription Drugs plan (Part D) and/or Medicare Supplement insurance (Medigap) that complements the gaps in your overall Medicare plan.  

The best Medicare plan should ideally cover all your insurance requirements along with medication and special coverages; at a pocket friendly cost.


The Medicare Advantage Plans

Medicare Advantage Plans are designed to provide you with additional coverage that may not have been covered in your basic plans. These plans are offered through private insurance firms duly approved for dispensing Medicare coverage. Medicare Advantage plans bring to you the ease of opting for prescription drugs coverage along with some additional advantages to be clubbed with Parts A & B.


Premiums, copayments, and coinsurance must be studied and selected carefully to ensure that you select the optimal mix of advantages at the most suited cost. In case of Medicare Advantage plans, some options may cost you as much as 20% in premiums while others may be free of cost. Therefore, it is imperative for you to finalize a combination of comprehensive coverages for you that are most aligned with your medical state and financial standing.

Medicare Prescription Drugs Plans

As suggested earlier, typical Medicare Plans A & B do not cover your prescription drugs. If you are looking to cover your prescription drugs as well along with your inpatient/outpatient coverage, Medicare provides you with the following options:

  1. Become a member of an independent Original Medicare Part D (Prescription Drug Plan) plan; or


  1. Select a Medicare Advantage program that covers prescription drugs.


Pay close attention to the formulary which is a list of prescribed medications that are covered, as you evaluate a Medicare prescription drug plan. Before enrolling into a plan, ensure your prescription is covered if you already take prescription meds. Both branded and generic prescription medications may be covered by Medicare Part D coverage. Medicare drug plans may decide which medications are covered and which ones are not, although they must typically cover at least two of the most frequently prescribed classes and categories.

The majority of Medicare prescription drug programs levy a monthly premium for their services.


Medicare Supplement Plans (Medigap)

Copayments, coinsurance, and deductibles associated with Medicare Parts A and B are covered by Medicare Supplement insurance policies, generally known as Medigap plans. After Medicare benefits have been utilized, Medicare Supplement plans typically take care of the Part A coinsurance and hospital expenses for an extra 365 days. Furthermore, they typically cover:

  • Medicare Part B coinsurance or copayment of at least 50%
  • Initial three pints of blood a patient receives during a surgery
  • Hospice care coinsurance or copayment for part A

Your Medicare Supplement insurance (Medigap insurance) policy might or might not pay for all or some of the following:

  • Coinsurance for skilled nursing facility care
  • Medicare Part A copayment
  • Deductible for Medicare Part B
  • Extra costs under Medicare Part B
  • Travel emergencies Abroad

Most Medicare Supplement insurance plans have a monthly premium, which is determined by the commercial insurance providers who provide these policies. The premiums are determined by a number of variables, including gender, age, and health conditions. Please do keep in mind that you are still required to pay the premium even if you never use any medical services. There is an out-of-pocket maximum only for Medicare Supplement Plans K and L and upon reaching the max, your insurance agency shall cover the rest of the year.

Advantage plan

Compiling the Best Medicare Health Plan for Your Needs

Given the complexity of Medicare features, making the appropriate choice in terms of coverage can be difficult and confusing. We at DreamhealthQuotes can assist you in quickly evaluating your options. We can help you:

  • Examine the plans that are available to you
  • Run diagnostics on any gaps in your current Medicare plan
  • Address any concerns you have about coverage
  • Assist you decide which Medicare plan would be the best one for your enrollment
  • Complete the enrollment process for you

Comparison of Types of Medicare Plans

The types of coverage offered by Original Medicare and Medicare Advantage are different. When compared to Original Medicare plans, Medicare Advantage plans often provide beneficiaries with more coverage. We have put together this comparison as under for your convenience and ease of understanding:


Plan Type Hospital Insurance Medical Insurance Prescription Drug Benefit Additional Benefits
Medicare Part A & B
  • Inpatient hospitals

  • Skilled nursing homes

  • Home health and hospice care
  • Routine doctor visits

  • Specialist visits

  • Preventative services
N/A Prescription Drugs Plan Required
N/A Medigap Plan Required
Medicare Advantage Plan
  • Inpatient hospitals

  • Skilled nursing homes

  • Home health and hospice care
  • Routine doctor visits

  • Specialist visits

  • Preventative services
Included additional coverage (vision, dental, etc.)

Cost Comparison of Medicare Plans

The cost and coverage of Medicare plans, including Original Medicare plans and Medicare Advantage plans, varies. Medicare expenses can differ depending on income, job requirements, and required level of coverage. It’s crucial to remember that, in comparison to Original Medicare plans, Medicare Advantage plans often offer lower out-of-pocket expenses.


Plan Type Premiums Deductibles Coinsurance/Copayment Out of Pocket Maximum
Medicare Part A & B
Differ based on income and specifications
Annual recurring deductible
20% outpatient coinsurance
Medicare Advantage Plan
Differ based on income and specifications
Deductibles do not apply
Copayment applicable based on plan type and coverage required
Maximum applies and varies by plan type

We Find the Best Medicare Plans for You

We can evaluate the Medicare plans offered in your area in a matter of minutes and run complete diagnostics to enhance your current coverage. Don’t wait to make sure you’re receiving all the benefits for which you are qualified. Start right away; there is no commitment to enroll.

Save on comprehensive Medicare coverage by letting us do the shopping for you.