Medicare Advantage
Bundles your hospital, medical, and often drug coverage into one plan from a private insurer.
Medicare guidance · No pressure · Local Hanover, PA agent
Medicare options,
Medicare options,
minus the confusion.
Turning 65 or reviewing your current coverage? Kristy will help you compare Medicare Advantage and Medigap options side by side, check the details that matter to you, and explain it all in plain English. No call centers, no pressure.
Compare Medicare Advantage and Medigap with Kristy Hicks, your local Hanover agent.
- 5.0 rating on Google
- Licensed PA agent
- Quotes back within 1 business day
Prefer to talk it through? (717) 398-1332
Medicare Advantage & Medigap inquiries. Standalone Part D (PDP) plans are not offered.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Your Medicare paths Part C Medicare Supplement
Advantage and Medigap, plainly explained
These products solve different needs. Kristy can help you compare Medicare Advantage and Medigap options available in your area. For Medicare Advantage options, she checks your doctors and prescriptions alongside your budget.
Medigap
Works alongside Original Medicare to cover out-of-pocket costs like deductibles and copays.
Explore your Medicare options
Medicare timing matters
Missing an enrollment window without a qualifying exception may result in late penalties.
Turning 65
Your 7-month window
Your Initial Enrollment Period is a 7-month window that starts 3 months before your 65th birthday.
Every year
October 15 – December 7
Annual Enrollment is a good time to review Medicare Advantage coverage.
How it works
From “where do I even start?” to a clearer Medicare choice
- 1
Tell us where you are
Turning 65, already enrolled, or comparing for the year ahead? Share a few basics and how to reach you.
- 2
Kristy checks the details
She reviews Medicare Advantage and Medigap options. For Medicare Advantage options, she checks whether your doctors are in network and looks for your prescriptions on the plan formulary.
- 3
Pick with confidence
Compare the suitable options side by side in plain English, whether you are enrolling for the first time or reviewing this year’s plan for next year.
- 6+ Years guiding local families
- 5.0★ Google review rating
- $0 Cost to you for her help
- #1 Local office in Hanover, PA
Why go local
A local Medicare agent who knows what to check
With Kristy
- Medicare Advantage and Medigap options explained side by side
- Your doctors checked against the plan’s network
- For Medicare Advantage options, your prescriptions checked against the plan’s formulary
- A real person at a local Hanover office
- Annual reviews of your current Medicare coverage
On your own
- Sorting through Medicare Advantage and Medigap alone
- Easy to miss that a doctor is out of network
- Easy to overlook a drug’s formulary or tier
- Relying on a national call center for answers
- Letting current coverage renew without a review
Real reviews
Local guidance from someone your neighbors trust
★★★★★After having a career change, I needed health insurance. Kristy Hicks, hands down, was the easiest and nicest person to work with. She is so knowledgeable. Kristy is quick to answer questions, and she truly wants to help you find the best plan to fit your needs.
★★★★★Being self employed comes with lots of perks. Health insurance is not one of them. However, Kristy makes it so easy. She is knowledgeable and knows exactly how to find the coverage that's right for you. It's reasonable and worry free. We would highly recommend Kristy and her team.
★★★★★Had issue with Wife's Pennie, contacted Kristy, problem solved! Very professional, knowledgeable but most of all respectful, uncommon these days. Absolute pleasure to work with, I HIGHLY recommend!
Good questions
Straight answers to common Medicare questions
What does Medicare Advantage cover?
Medicare Advantage, also called Part C, bundles hospital and medical coverage and may include prescription coverage. Plan details vary, so check the provider network and current plan documents before enrolling.
How is Medigap different?
Medigap works alongside Original Medicare to help cover out-of-pocket costs such as deductibles, copays, and coinsurance. It cannot be combined with Medicare Advantage.
Can I switch my current Medicare plan?
Yes, during Annual Enrollment, October 15 through December 7, or if you have a qualifying life event. Kristy can review your current plan and help you compare your options.
What if I miss an enrollment window?
Missing your Initial Enrollment Period or another applicable window without a qualifying exception may result in late penalties. Ask Kristy about your situation before assuming you are out of options.
Where can I verify official Medicare information?
Use Medicare.gov, the official Medicare website, and current official plan documents to verify Medicare rules and plan details.
Ready to review your Medicare options?
Talk with a licensed Pennsylvania agent at a local Hanover office, not a national call center.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.