How to Compare Medicare Plans in Your Zip Code

Medicare plans are sold by zip code, not state. Two neighbors can have completely different plan options. Here's how to compare wisely.

Step 1: List your doctors and prescriptions

Before comparing plans, write down every doctor you see, your preferred hospital, and every prescription you take. A licensed agent checks which plans include them in-network at the lowest cost.

Step 2: Compare premiums and out-of-pocket costs

Look beyond the monthly premium. Compare copays, deductibles, and the plan's annual out-of-pocket maximum. A $0 premium plan isn't always the cheapest if you use healthcare regularly.

Step 3: Review extra benefits

Dental, vision, hearing, gym membership, transportation, and OTC allowances vary widely. If these matter to you, factor them into your decision.

Step 4: Talk to a licensed agent (free)

Licensed agents compare every plan in your zip code, explain the differences in plain language, and help you enroll — at no cost to you. Agents are paid by insurance companies, not by seniors.

Ready to compare?

Call for a free 5-minute consultation, or request a quote online. No pressure, no obligation.