Start with the two main paths
Most people choose between Original Medicare with add-on coverage, or an all-in-one Medicare Advantage plan.
Parts A & B
Original Medicare + Medigap
- See any doctor or hospital in the U.S. that accepts Medicare
- Higher monthly premium, more predictable costs
- Add a Part D plan for prescription drugs
Part C
Medicare Advantage
- All-in-one plan from a private insurer
- Often lower premiums, usually with a provider network
- Often includes drug, dental and vision coverage
- Yearly limit on out-of-pocket costs
Ask yourself five questions
- Are my doctors and hospitals covered?Check that the providers you see are in the plan’s network, or that they accept Medicare.
- Are my prescriptions covered?Look at each plan’s drug list and what you’d pay for each medication.
- What can I afford?Compare monthly premiums along with deductibles, copays and the most you could pay in a year.
- Do I travel or live in more than one state?Some plans cover care mainly within a local network, while others go with you.
- Do I want extra benefits?Many plans add dental, vision, hearing or fitness benefits.
Know when you can enroll
Around your 65th birthday
Initial Enrollment
A 7-month window: 3 months before, the month of, and 3 months after you turn 65.
Oct 15 – Dec 7
Annual Enrollment
Anyone with Medicare can switch Advantage or Part D plans. Changes start January 1.
Jan 1 – Mar 31
Advantage Open Enrollment
If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare.
Anytime, if you qualify
Special Enrollment
Moving, losing employer coverage, or qualifying for Extra Help can open a special window.
Plans and costs can change every year, so it’s smart to review your coverage each fall.
How a Dolce agent helps
- We compare plans from 10+ top carriers side by side.
- We check your doctors and prescriptions before recommending a plan.
- We explain your options in plain language, with no pressure.
- We help you enroll and stay with you for yearly reviews.
Our help is always free, and you pay the same premium as enrolling on your own.