Independent Medicare Guidance
Medicare, explained by a real person.
Medicare guidance shouldn't end after enrollment. Our licensed agents are here to support you throughout the year—whether you're comparing coverage options, have questions about your plan, or need help understanding your benefits. Our assistance is always provided at no cost, with honest recommendations and no pressure to enroll.
Carriers we compare
Plans from names you already know
Not all carriers or plans are available in all areas. We do not offer every plan available in your area.
- Independent
- Insurance agency
- Licensed
- Insurance agents
- Nationwide
- Customer service area
- Year-round
- Help after enrollment
Products and availability vary by state. Services are provided only where the agency and the applicable agent are properly licensed.
Why Prime Integrity
Clear help from an independent agency
Our job is to help you understand Medicare options available where you live — and to remain a contact after you enroll.
We work as an independent agency
Prime Integrity Insurance is not tied to a single insurance company. Licensed agents can compare contracted plans available in your ZIP code and explain when staying with your current coverage may make sense.
We check doctors and drugs before you enroll
Tell us your doctors, prescriptions, and pharmacy. We check them against a plan’s network and formulary using current plan materials before you enroll.
You pay the plan, not a separate agency fee
A plan review with us does not add a separate fee from Prime Integrity Insurance. You still pay Medicare and plan premiums, deductibles, copays, and other costs that apply to you.
How It Works
Four steps. No pressure.
A website request is a conversation starter. You decide whether to enroll, and you can also use Medicare.gov or 1-800-MEDICARE.
- 1
Talk
Tell us about your doctors, prescriptions, and budget. We listen first so we can look at options that may fit your situation.
- 2
Compare
We review current plan materials for contracted carriers available in your area and lay out differences side by side.
- 3
Enroll
If you choose a plan, we help you complete enrollment through the plan’s approved process. Submitting a website form is not enrollment.
- 4
Stay in touch
You can call us later with claims questions, billing issues, and yearly plan check-ins.
Coverage Options
The main Medicare paths, explained
We help you understand trade-offs among plan types. Which option fits depends on your health, doctors, drugs, budget, and what is sold where you live.
Medicare Supplement (Medigap)
Extra insurance from a private company that helps pay your share of costs in Original Medicare. You generally can see any doctor or hospital that accepts Medicare.
Learn more →Medicare Advantage (Part C)
A Medicare-approved private plan that is an alternative to Original Medicare. These plans include Part A and Part B, and usually Part D. Extra benefits, if any, vary by plan.
Learn more →Prescription Drug Plans (Part D)
Optional Medicare drug coverage from private companies approved by Medicare. You can pair a standalone Part D plan with Original Medicare.
Learn more →What to expect
How a plan review should work
A conversation, not a hard sell
An agent should ask about your doctors, prescriptions, and budget, then explain options that are actually available where you live.
Side-by-side differences
You should hear how Original Medicare with Medigap compares with Medicare Advantage, including networks, referrals, and extra benefits that may or may not apply.
Checks before you enroll
Before you enroll, ask the agent to confirm your providers and drugs against the plan’s current network and formulary. Always read the plan’s documents.
FAQs
Common Medicare Advantage questions.
Can I keep seeing my doctor on Medicare Advantage?
Only if that doctor is in your plan’s network — or if your plan type allows out-of-network care and you are willing to pay more. Many HMO plans require you to use in-network doctors for non-emergency care. PPO plans often let you go out of network, usually at a higher cost. Before you enroll, check the plan’s provider directory and call the doctor’s office to confirm they still take the plan. Directories can be out of date.
What if I have an emergency, or I am traveling and need care?
Medicare Advantage plans must cover emergency and urgent care, even if you are outside the plan’s service area. Go to the nearest emergency room if you think it is an emergency. For a sudden illness while you are away, urgent care is also covered. Routine visits, like a yearly checkup, usually are not covered out of the area unless your plan says otherwise. If you spend winters in another state, ask whether the plan has a visitor or travel program before you rely on it.
When can I switch or leave my Medicare Advantage plan?
The main time is Open Enrollment, October 15 through December 7. Changes usually start January 1. If you are already in a Medicare Advantage plan, you also get a Medicare Advantage Open Enrollment Period from January 1 to March 31. During that winter window you can make one change: switch to another Advantage plan, or go back to Original Medicare (and join a separate drug plan). You generally cannot use that winter window to leave Original Medicare and join Advantage. You may also qualify for a Special Enrollment Period if you move or lose other coverage.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company to help pay your share of costs in Original Medicare, such as copayments, coinsurance, and deductibles. With Original Medicare, you can generally see any doctor or hospital that accepts Medicare, anywhere in the U.S. Medicare Advantage (Part C) is a Medicare-approved plan from a private company that is an alternative to Original Medicare. These plans include Part A and Part B, and usually Part D. You often must use doctors in the plan’s network, except in emergencies. You cannot have a Medigap policy and a Medicare Advantage plan at the same time.
Ready to review Medicare options?
Request a plan review from a licensed agent, or call us. Submitting a form does not enroll you. We do not offer every plan in your area.