Medicare Made Simple With Stan The Man

Understand Your Options. Get the Right Coverage. Feel Confident About Your Healthcare.
If you’re turning 65 or already on Medicare, you’ve probably discovered that it’s not as simple as people say. There are Parts A, B, C, and D… plus Medicare Advantage, Medigap (Medicare Supplements), and a whole lot of fine print.
I’m Stan the Insurance Man, and I help seniors, retirees, and caregivers navigate the Medicare maze with clear, personalized guidance—so you can make the best decision for your health, your wallet, and your peace of mind.

What Is Medicare

Medicare is a federal health insurance program primarily for people aged 65 and older.
It also covers some younger individuals with disabilities or certain health conditions.
Medicare is divided into four main parts:

Part A – Hospital Insurance

Covers inpatient care in hospitals, skilled nursing facilities, hospice, and some home health care.
✅ Usually free if you’ve worked and paid into Social Security for 10+ years.

Part B – Medical Insurance

Covers doctor visits, outpatient care, preventive services, and medical equipment.
✅ You pay a monthly premium for Part B.

Part D – Prescription Drug Coverage

Helps pay for prescription medications. Plans are offered by private companies and vary by region and medication needs.
✅ You must enroll separately to avoid late penalties.

Part C – Medicare Advantage Plans

These are all-in-one plans offered by private insurers that bundle Part A, B, and usually D, along with extras like dental, vision, hearing, and fitness benefits.
✅ May have lower upfront costs, but limited networks.

What Medicare Doesn’t Cover (And Why You May Consider a Supplement)

Medicare covers a lot, but it doesn’t cover everything. You’re still responsible for:
Deductibles
Copayments
Coinsurance
Excess charges
Prescription costs (if no Part D)
Long-term care
Foreign travel emergency coverage
This is where Medicare Supplement Insurance (also called Medigap) steps in.

What Are Medicare Supplement Plans?

Medicare Supplement Insurance helps fill in the gaps left by Original Medicare. These plans are sold by private insurers and are designed to reduce your out-of-pocket costs, like copays, coinsurance, and hospital expenses.
Several standardized plans are available (Plan G, N, etc.), each offering different levels of coverage. The right one depends on your health, budget, and travel habits.

Benefits of Medicare Supplement Plans:

See any doctor nationwide who accepts Medicare
No referrals needed for specialists
Predictable out-of-pocket costs
Great for frequent travelers and snowbirds
Guaranteed renewable (your coverage can’t be dropped if you pay premiums)

Medicare Advantage vs. Medicare Supplement: What’s the Difference?

Feature	Medicare Advantage (Part C)	Medicare Supplement (Medigap)
Provider Network	Usually limited to HMO/PPO networks	Any doctor or hospital that accepts Medicare
Referrals Required?	Often, yes	No
Includes Part D?	Usually	No, must purchase separately
Extras (vision, dental)	Often included	Not included
Travel Coverage	Limited	Yes, some plans cover foreign travel
Monthly Cost	Lower premiums, more copays	Higher premiums, fewer copays

Not sure which is better for you? I’ll help you compare side-by-side.

Who I Help:

People turning 65 and new to Medicare
Retirees looking to optimize their current coverage
Veterans looking to pair Medicare with VA benefits
Caregivers helping parents or spouses understand Medicare
Anyone who wants straight answers, not sales pressure

Let’s Find Your Best Medicare Option — Together

Whether you need help enrolling, choosing between Medigap and Advantage, or picking a drug plan that covers your prescriptions, I’ve got your back.
👉 Book a Free Medicare Consultation with Stan the Insurance Man
No pressure. Just real support from someone who cares.

Schedule Your Free Call Now

Stan the Insurance Man

Medicare Made Simple With Stan The Man