Medicare Plan Types
Medicare is not one-size-fits-all. The right plan depends on your doctors, medications, budget, and how you use healthcare. William compares all your options — at no cost.
Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H
Medicare client
5 ★ · 83 reviews
Medicare Supplement (Medigap)
Works alongside Original Medicare to cover deductibles, coinsurance, and copays. Use any doctor nationwide who accepts Medicare. No network restrictions.
- Plan G — most popular, near-complete coverage
- Plan N — lower premium with small copays
- High-Deductible Plan G — lowest premium option
Medicare Advantage (Part C)
Replaces Original Medicare with an all-in-one plan from a private insurer. Often includes drug coverage, dental, vision, and hearing. Network-based.
- HMO, PPO, PFFS, and SNP plan types
- May include dental, vision, hearing
- Out-of-pocket maximum limits annual exposure
Medicare Part D
Standalone prescription drug coverage added to Original Medicare or a Supplement plan. Compare formularies based on your specific medications.
- Formulary comparison by your medications
- Avoid the late enrollment penalty
- Coverage gap ("donut hole") eliminated starting 2025
Ancillary Coverage
Dental, vision, hearing, hospital indemnity, cancer, and final expense coverage. Fills gaps that Medicare and Medigap don't cover.
- Dental, vision, and hearing plans
- Hospital indemnity insurance
- Cancer and critical illness coverage
Which Plan Is Right for You?
The most common question William gets: "Should I get Medicare Supplement or Medicare Advantage?" The honest answer is: it depends.
Medicare Supplement is generally better for people who travel frequently, have established doctor relationships they want to keep, or want predictable out-of-pocket costs regardless of how much healthcare they use.
Medicare Advantage is often a better fit for people who want a lower monthly premium, are comfortable with a network, and want extra benefits like dental and vision bundled in.
There's no universally right answer. William will walk you through both options based on your specific situation — your doctors, your medications, your budget, and your health history.
What Clients Say
"I contacted William to assist my wife and I after moving to Florida from another state. He contacted us immediately and scheduled a phone appointment for the following week. We spent about an hour getting to know each other and our needs. He recommended several companies to match our needs and our location here in FL that we would NEVER had figured out on our own. Praise the Lord for Bill and for his help!! I would recommend him to anyone and everyone!!"
Jim M.
Medicare client · Verified Google Review
"Working with William Gray on my Medicare selections was an outstanding experience. Navigating Medicare can feel overwhelming, but William made the entire process simple, clear, and stress-free. He took the time to understand my specific needs, explained every option in a way that was easy to grasp, and offered thoughtful guidance without ever making me feel rushed or pressured."
Julie K.
Medicare client · Verified Google Review
"ABSOLUTELY GOD SENT! I knew nothing about Medicare and close to panicking before speaking with William. Super professional, well informed and kind! Anyone out there approaching 65 years old needs someone like William in their corner; he walked me through each step and all the options best suited my needs!!! All at NO COST because he is paid through the insurance companies."
JKC
Medicare client · Verified Google Review
"Navigating the healthcare system is complex to say the least. This is where The Medicare Dude, William Gray, shined for us on the road to consummating an ideal configuration for our unique and collective situations. William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage consult in our best interests. He's always available when questions arise."
TinaKelvin B.
Medicare client · Verified Google Review
"I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra A.
Medicare client · Verified Google Review
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H.
Medicare client · Verified Google Review
Showing 6 of 83 verified Google reviews
Not Sure Which Plan Is Right for You?
Schedule a free 15-minute consultation. William will compare your options and give you a straight answer.
Licensed in FL, GA, ID, IN, KS, KY, MI, NC, OH, PA, TX, VA · Independent · No cost to you