Find your Medicare match in 2 minutes.
Answer a few plain-English questions and see which path actually fits you — Original Medicare with a Supplement, a Medicare Advantage plan, or a special route for veterans and those under 65. No login, no cost, no pressure.
Rather talk to a licensed advisor? (843) 227-6725
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This is educational guidance based on your answers — not an offer of a specific plan. A licensed advisor confirms the exact plan, carrier, and price for your ZIP code. Your premium is the same whether you enroll with us or on your own.
Skip ahead and see real Medicare Supplement pricing for your ZIP code — free, no obligation.
Two roads through Medicare. We help you pick the right one.
Nearly everyone on Medicare chooses one of these two paths. We offer both — so our only goal is the one that genuinely fits your health, your doctors, and your budget.
Original Medicare + a Supplement Our most recommended
Medigap fills the gaps Original Medicare leaves behind.
- ✓See any doctor or hospital in the country that accepts Medicare — no networks, no referrals.
- ✓Predictable costs. With Plan G, your covered medical bills are essentially handled after one small yearly deductible.
- ✓Travel freely. Coverage goes with you in all 50 states.
- ✓Best for people who want certainty, see specialists, travel, or have ongoing health needs.
- ●A monthly premium, plus a separate Part D drug plan (we set both up).
Medicare Advantage (Part C)
An all-in-one private plan that bundles your coverage.
- ✓Low or $0 monthly premium — you pay copays as you use care.
- ✓Extras built in — many plans include dental, vision, and hearing.
- ✓One card for hospital, medical, and usually prescriptions.
- ●Uses a network, so we confirm your doctors and medications are covered first.
- ●Costs come as you go, up to the plan’s yearly out-of-pocket limit.
Medicare Supplement (Medigap) plans, letter by letter.
Medigap plans are standardized by law — a Plan G is a Plan G at every carrier, so only the price and the company’s service differ. That’s exactly why an independent agent matters: we shop the same plan across 30+ A-rated carriers to find you the lowest rate. Here are the plans people choose most.
The most comprehensive plan for new enrollees. After the once-a-year Part B deductible ($283 in 2026), it covers essentially everything Original Medicare leaves behind.
Lower monthly premium than Plan G in exchange for small copays at doctor and ER visits. A strong value for healthy, budget-minded people who still want Medigap freedom.
The lowest Medigap premium. You pay costs yourself up to a yearly cap ($2,950 in 2026), then the plan pays 100%. Great for the healthy who want a safety net at the lowest monthly cost.
Plans A, B, C, D, F, K, L, and M each cover a different mix of gaps. We’ll match the exact letter to your health and budget — see the full comparison.
What Original Medicare costs in 2026.
These are the current federal figures, straight from CMS. A Supplement is designed to absorb most of these costs so you’re not exposed to the 20% that Original Medicare leaves on the table — remember, Original Medicare has no yearly out-of-pocket limit on its own.
Figures reflect 2026 CMS standard amounts and update annually. IRMAA income surcharges begin above $109,000 (individual) / $218,000 (joint filing). Your actual costs depend on income, the plan you choose, and your ZIP code — we confirm your exact numbers before you enroll.
Veterans and those under 65 — we’ve got you too.
Two groups need different guidance. Here’s the short version, and a licensed advisor can walk you through the details for free.
Veterans & VA Benefits
- ✓VA and Medicare work best as a team, not either-or. Keeping both protects you inside and outside the VA system.
- ✓Enroll in Part B at 65. VA benefits generally don’t replace Part B — signing up keeps your options open for care outside VA facilities.
- ✓Part D, penalty-free. VA prescription coverage counts as creditable, so many veterans can skip a Part D plan without a lifelong penalty.
- ✓Advantage “givebacks” — some plans add dental, vision, and Part B premium givebacks without affecting your VA care.
Obamacare & the ACA Marketplace
- ✓The ACA is your bridge to Medicare. It’s how individuals and families buy their own coverage before 65 when there’s no employer plan.
- ✓We handle both. Same trusted team now for ACA, and again when you transition to Medicare — no starting over.
- ✓Subsidies may lower your cost based on income. We check what you qualify for.
- ✓A smooth handoff — we time your move to Medicare so you never have a coverage gap.
The rate is the same. The advocate is the difference.
Your premium is set by the insurer and regulated by the state — so the real question was never the price. It’s who stands beside you after you enroll. We compare 30+ A-rated carriers, set up your Supplement and drug plan, and stay your advocate for life — fighting denied claims and re-shopping your coverage every year. Always at $0 cost to you.
The windows that decide everything.
Miss the wrong one and you can carry a penalty for life — or lose your one guaranteed chance at a Supplement. We watch these for you.
Your golden window
The one time a Supplement carrier cannot turn you down or charge more for your health history. It never comes back.
Turning 65
Three months before your birthday month, that month, and three after. Enroll early to avoid a coverage gap.
Fall open enrollment
Everyone can change Advantage and Part D plans for the coming year. Plans change annually — this is when to review.
Life-event windows
Moving, losing employer coverage, or a plan leaving your area can open a special window just for you.
Questions people ask before they choose.
Does it cost more to use an agent like May River?
Is a Medicare Supplement better than Medicare Advantage?
Which Medicare Supplement plan is most popular?
Can veterans use Medicare with their VA benefits?
What does Medicare cost in 2026?
I’m not 65 yet — can you still help me?
Everything you need to choose with confidence.
Your quiz points you in a direction — these guides and tools help you go deeper and decide for sure.
What is a Medicare Supplement
How Medigap works, and how every lettered plan compares.
Read the guideBest Medigap by Health Profile
Which supplement fits your health, budget, and priorities.
Find your planPlan G vs N vs HD-G
The most popular supplements, side by side in plain English.
See the differenceMedicare 101
The complete plain-English guide to how Medicare works.
Start with the basicsDrug Coverage Calculator
Check how your medications are covered before you choose.
Price my drugsMistake Risk Checker
Find out which costly Medicare mistakes you are most at risk of.
Check my riskReady to match with your best Medicare plan?
Take the quiz, then let a licensed May River advisor confirm the exact plan and price for your ZIP code — free, and with no pressure.
(843) 227-6725