A clear link to your Medicare resources.
AmericanResourceLink is a free, independent resource that helps people understand Medicare and find coverage that fits. Review Parts A, B, C and D, compare Original Medicare against Medicare Advantage, and speak with a licensed advisor — at no cost and with no obligation.
Coverage
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice and some home health services. Most people pay no premium for Part A.
Medical Insurance
Covers doctor visits, outpatient care, preventive services, lab work and durable medical equipment. Part B carries a standard monthly premium.
Medicare Advantage
An all-in-one alternative offered by private insurers approved by Medicare. Bundles Parts A and B and often adds extra benefits.
Prescription Drugs
Helps cover the cost of prescription medications. Offered as a standalone plan or built into a Medicare Advantage plan.
Process
Tell Us About You
Share your age, location, current coverage and the doctors or prescriptions that matter most. It takes a couple of minutes and costs nothing.
We Find Your Options
A licensed advisor reviews the plans available in your ZIP code and lays out the differences in premiums, networks and drug coverage side by side.
Enroll With Support
When you are ready, your advisor walks you through enrollment and stays available afterward for questions, changes and annual reviews.
By the numbers
Most people become eligible for Medicare at age 65.
Individuals guided through Medicare decisions nationwide.
Average satisfaction score reported after consultation.
Request assistance online at any hour, any day of the week.
Compare
| Original Medicare | Medicare Advantage | |
|---|---|---|
| Monthly Premium | Part B premium applies | Varies, often $0 |
| Provider Choice | Any Medicare provider | Network based |
| Prescription Coverage | Separate Part D plan | Usually included |
| Dental & Vision | Not covered | Often included |
| Out-of-Pocket Cap | No annual limit | Annual maximum |
| Referrals Required | Not required | Varies by plan |
Deadline
Open enrollment ends December 7.
This is the annual window to join, switch or drop a Medicare Advantage or Part D plan. Changes made during this period take effect January 1. After December 7, most people must wait for the next enrollment period.
Get Free HelpWhy this resource
Always Free to Use
There is never a charge for guidance, plan comparison or enrollment support. Our service costs you nothing at any stage.
Licensed Advisors
Every conversation is with an advisor licensed to discuss Medicare plans, trained on current rules and annual plan changes.
Independent Comparison
We present options across multiple carriers so you can weigh them against each other rather than against a single product.
Nationwide Coverage
Plan availability is local. We review what is actually offered in your ZIP code, in every state across the country.
Support After Enrollment
Your advisor remains available for questions, plan changes and an annual review when benefits are updated each year.
Feedback
— I had no idea where to begin. Within one conversation I understood the difference between Original Medicare and Advantage, and I picked a plan that kept my own doctor.
— The comparison was laid out plainly, with nothing hidden. No pressure at any point. I was given time to think and the answers came back the same day.
— My prescriptions were the sticking point. The advisor checked each one against the formulary and found a plan that covered all of them for less than I was paying.
Questions
Your Initial Enrollment Period spans seven months — the three months before the month you turn 65, your birthday month, and the three months after. Annual Open Enrollment runs October 15 through December 7 each year, and Special Enrollment Periods apply after qualifying life events such as losing employer coverage.
No. Consultation, plan comparison and enrollment assistance are provided at no cost to you. There is no fee at any stage and no obligation to enroll in anything we show you.
Original Medicare is Parts A and B administered by the federal government, accepted by any provider that takes Medicare, with no annual out-of-pocket cap and no built-in drug coverage. Medicare Advantage (Part C) is offered by private insurers, uses provider networks, usually bundles prescription coverage and extras, and includes an annual out-of-pocket maximum.
With Original Medicare you may see any provider that accepts Medicare. With a Medicare Advantage plan it depends on the plan's network. Share your doctors before you enroll and your advisor will confirm whether they are in network for each option.
Often yes. If you go without creditable prescription coverage after becoming eligible, a late enrollment penalty can be added permanently to your premium. Many people enroll in a low-premium Part D plan to avoid that penalty even when current prescriptions are minimal.
Yes. During Annual Open Enrollment (October 15 – December 7) you may switch plans, with changes effective January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows an additional change, and Special Enrollment Periods may apply after qualifying events.
Get free Medicare help.
Speak with a licensed advisor, compare the plans available where you live, and make your decision with the full picture in front of you.
Resources
The federal government's official Medicare website for enrollment, plan finder tools and program rules.
Review Original Medicare and Medicare Advantage options available in your ZIP code, side by side.
Check when your enrollment window opens and which parts of Medicare you qualify for today.
Request a free, no-obligation consultation online and a licensed advisor will walk through your options.