Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D).

Medicare Advantage Plans cover all Medicare services. Some Medicare Advantage Plans also offer extra coverage, like vision, hearing and dental coverage. Learn more about what Medicare Advantage Plans cover.

RFS is proud to offer plans from the most well-respected Medicare Advantage carriers in the nation:

Medicare Supplement Insurance helps fill "gaps" in Original Medicare and is sold by private insurance companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles.

8 things to know about Medicare Supplement policies

1. You must have Medicare Part A and Part B.
2. A Medigap policy is different from a Medicare Advantage Plan.  Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

RFS is proud to offer plans from the most well-respected Medicare Supplement carriers in the nation:

Medicare Part D is the part of medicare that covers prescription drugs. Prescription drug coverage for medicare beneficiaries can be provided by group retiree plans, veteran's benefits (VA), or by enrolling in a Medicare Part D plan offered by a private insurance company offered in your area. "Stand-alone" Prescription drug plans (PDP) are available to Medicare beneficiaries and will help subsidize the cost of prescription drugs covered by Medicare Part D. Some Medicare beneficiaries will choose a Medicare Advantage plan that includes prescription drug coverage, however some Medicare Advantage plans do not include prescription drug coverage and Medicare Supplement plans (post 2006) never cover prescriptions drugs. In these instances, a "stand-alone" prescription drug plan (PDP), may be your best option.

RFS offers Medicare Part D plans through most major carriers including those listed below, just to name a few:

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