Two Ways to Enhance Original Medicare & Why a Local Medicare Agent Makes All the Difference

April 9th, 2025

As you approach age 65, understanding how to get the most from your Medicare benefits is essential. Original Medicare (Part A and Part B) provides solid foundational coverage—but it doesn’t cover everything. The good news? There are two proven ways to enhance your coverage and protect yourself from high out-of-pocket costs.

Let’s break down the two ways to enhance Original Medicare, why it matters, and how working with a trusted local Medicare agent like Kim & Co Agency can make the process simple and stress-free.

What Does Original Medicare Cover?

Before we dive into your enhancement options, here’s a quick refresher:

• Medicare Part A covers hospital stays, skilled nursing facility care, hospice, and some home health services.
• Medicare Part B covers doctor visits, outpatient services, preventive care, and durable medical equipment.

However, Original Medicare does not cover prescription drugs, dental, vision, hearing, or offer a limit on out-of-pocket spending. That’s where enhancement options come in.

Option 1: Add a Medicare Supplement Plan (Medigap)

What it is: A Medigap plan helps pay for the “gaps” in Original Medicare—like deductibles, coinsurance, and copayments.

Why choose it:

• See any doctor nationwide who accepts Medicare.
• Predictable costs with monthly premiums.
• No network restrictions or referrals needed.

Best for: People who travel often or want freedom to choose any Medicare provider without worrying about networks.

Option 2: Enroll in a Medicare Advantage Plan (Part C)

What it is: Medicare Advantage plans are offered by private insurance companies. They combine Part A, Part B, and often Part D (prescription drug coverage) into one all-in-one plan.

Why choose it:

• Includes extra benefits like dental, vision, hearing, gym memberships, and more.
• Lower monthly premiums (sometimes $0).
• Coordinated care through provider networks.

Best for: People who prefer an all-inclusive plan with extra perks and don’t mind staying in-network.

Why Enhancing Medicare Is So Important

If you stick with just Original Medicare, you may be exposed to:

• High out-of-pocket costs with no cap
• Lack of drug coverage
• Missing coverage for common needs like dental and vision

Enhancing your coverage ensures you have financial protection and access to the services you need most.

Why Work With a Local Medicare Advisor Like Kim & Co Agency?

Choosing between Medigap and Medicare Advantage isn’t one-size-fits-all. Your health needs, travel plans, budget, and doctor preferences all matter.

That’s where Kim & Co Agency comes in.

Here's why working with a local Medicare advisor matters:

• ✅ Personalized advice based on your needs
• ✅ Local knowledge of doctors, networks, and plan options in your area
• ✅ No-cost consultations—you don’t pay extra to get expert help, zero cost to you
• ✅ Ongoing support year after year as your needs change

Unlike calling a 1-800 number or guessing online, Kim & Co Agency takes the time to explain your options, clarify the fine print, and ensure you’re not missing any important coverage.

Final Thoughts

Enhancing your Medicare coverage isn’t just smart—it’s essential. Whether you choose a Medigap policy or a Medicare Advantage plan, having the right coverage can protect your health and your wallet.

Let Kim & Co Agency guide you every step of the way. We’re your local Medicare resource, here to make sure you get coverage that fits your life today—and tomorrow.

📞 Call now to schedule your free Medicare review or attend a local workshop to learn more. Check us out by clicking this link