Medicare Quotes
At Diversified Insurance Brokers, we understand that navigating Medicare can feel overwhelming—especially with so many plan types, enrollment rules, and coverage details to consider. That’s why we provide a simple way to compare Medicare plans, get Medicare Quotes, and receive expert guidance so you can make the right choice for your health and budget. Whether you’re new to Medicare, switching plans, or reviewing your coverage during open enrollment, our quoting tool and personal guidance can help you find a plan that fits your needs.
Get Medicare Quotes
Compare Medicare Supplement, Medicare Advantage, and Part D drug plans—side by side—from top-rated carriers.
Why Medicare Planning Matters
Choosing the wrong Medicare plan can result in higher out-of-pocket costs, unexpected coverage gaps, or limited provider access. With medical expenses continuing to rise, making an informed decision can save you thousands of dollars each year. By comparing plans from multiple carriers, you can ensure you’re getting the best combination of coverage, network access, and affordability.
Types of Medicare Plans You Can Compare
- Original Medicare (Parts A & B): Part A covers hospital care, skilled nursing, and certain home health services; Part B covers doctor visits, outpatient care, preventive services, and more.
- Medicare Supplement (Medigap): Works alongside Original Medicare to help cover costs like deductibles, coinsurance, and copayments.
- Medicare Advantage (Part C): Combines Parts A and B (and often Part D) into one plan, sometimes with added benefits like dental, vision, and hearing care.
- Prescription Drug Plans (Part D): Standalone drug coverage for those on Original Medicare or certain Medicare Advantage plans.
Our Step-by-Step Process
We make it easy to find your Medicare plan:
- Use our secure Medicare quoting tool to enter basic information and instantly see plan options in your area.
- Compare premiums, coverage benefits, provider networks, and prescription drug formularies side by side.
- Schedule a free consultation with Tonia, our Medicare specialist, to review your options and get personalized recommendations.
- Complete your enrollment with our help—ensuring your application is accurate and your coverage starts on time.
Why Work with Diversified Insurance Brokers?
We work with dozens of top-rated Medicare carriers, giving you access to a wide range of plans and competitive rates. As independent advisors, we work for you—not the insurance companies. That means our recommendations are based solely on what’s best for your needs, not on any single provider’s products. With decades of experience and a commitment to clear, straightforward advice, we help you feel confident in your Medicare decision.
Get Started Today
Don’t risk paying more than you should or missing out on valuable benefits. Use our free Medicare quoting tool today to see plans in your area, or book a consultation with Tonia for one-on-one help.
FAQs: Medicare Quotes
What is a Medicare quote?
A Medicare quote is an estimate of your monthly premiums and expected out-of-pocket costs for plans available in your ZIP code (Medicare Advantage, Part D, and Medigap), based on your age, county, and selected options.
What information do I need to get accurate quotes?
Your ZIP code and county, Medicare eligibility (A/B effective dates), date of birth, preferred doctors/hospitals, prescription list and dosages, and whether you want dental/vision/hearing benefits.
Do quotes differ for Medicare Advantage vs. Medigap?
Yes. Advantage (Part C) quotes vary by plan/network and include a yearly MOOP. Medigap quotes are standardized by plan letter (e.g., G, N) but priced by carrier, age method, and discounts; drugs are purchased via a separate Part D plan.
Why do quotes vary by ZIP code?
Plans and pricing are filed at the county level. Local provider contracts, utilization, and state rules cause premiums, copays, and formularies to differ by location.
How do my prescriptions affect quotes?
Part D and Advantage plans place medications on tiers with different copays and prior-authorization rules. Listing your drugs lets quotes estimate annual drug costs and flag cheaper pharmacy options.
Will my doctors be covered?
Medigap has no networks—any provider who accepts Medicare nationwide. Advantage plans use HMO/PPO networks; quotes can check your doctors and hospitals for in-network status.
When should I request quotes?
Before your Initial Enrollment Period (around 65) or 2–3 months before you retire/lose employer coverage. Afterwards, review annually during the Oct 15–Dec 7 Annual Election Period.
Can I change plans if my quote looks better later?
Advantage/Part D can change each AEP. Switching to Medigap later may require health underwriting in most states unless you have a guaranteed-issue right or state rule allowing it.
What affects Medigap premiums in quotes?
Age rating method (attained/issue/community), tobacco status, household discounts, carrier pricing, and state rules. Plan benefits are standardized; price and service differ by insurer.
What’s MOOP and why does it matter in quotes?
MOOP is the annual maximum out-of-pocket limit in Medicare Advantage. Quotes show MOOP alongside copays to help compare worst-case costs vs. Medigap’s higher premium but lower variability.
Do quotes include dental, vision, and hearing?
Some Advantage plans include DVH benefits. With Original Medicare + Medigap you usually add a separate DVH plan; quotes can include those options if requested.
How do I compare quotes effectively?
Confirm provider networks, total annual costs (premium + copays + drugs), MOOP, drug formulary fit, travel rules, prior-auth requirements, and extras. Then shortlist two or three plans that best match your usage.
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