◆ Private Independent Service ◆
Compare Medicare Parts A, B, C and D side by side with licensed, independent advisors. No cost, no pressure, and no obligation — just a clear view of every option available to you.
Notice: AmericanOptionsPortal is a private, independent service.
Not affiliated with any government agency.
Eligibility Age
Persons Assisted
Average Rating
Support
Article I
Each part covers a distinct category of care. Understanding what each one does is the first step toward choosing the coverage that fits your circumstances.
Part A · Inpatient Care
Covers inpatient hospital stays, skilled nursing facility care, hospice services and certain home health care.
Premium-free for most
Part B · Outpatient Care
Covers doctor visits, outpatient procedures, preventive screenings, durable medical equipment and lab work.
Standard monthly premium
Part C · Bundled Plans
Private plans that bundle Parts A and B, often adding prescription, dental, vision and hearing benefits.
Offered by private carriers
Part D · Pharmacy Benefit
Helps cover the cost of prescription medications through plans offered by private, Medicare-approved insurers.
Avoids late-enrollment penalty
Article II
Three straightforward steps, from first enquiry to completed enrollment.
Share a few basics — your age, ZIP code and the care you expect to need. No obligation, and your information is never sold.
Approx. 2 minutes
A licensed advisor presents plans from thirty-plus carriers in your area, with premiums, networks and benefits laid out plainly.
Same day review
When you are ready, your advisor completes the paperwork with you and remains available for questions all year round.
Support continues
“You should never pay to understand your own benefits.”
AmericanOptionsPortal
Article III
A side-by-side ledger of the differences that matter most when choosing between the two paths.
| Provision | Original Medicare (A&B) | Medicare Advantage (Part C) |
|---|---|---|
| Monthly Premium | Part B premium applies | Varies; some plans at $0 |
| Provider Choice | ◆Any provider accepting Medicare | Generally plan network only |
| Prescription Coverage | ◇Requires separate Part D | ◆Usually included |
| Dental & Vision | ◇Not covered | ◆Frequently included |
| Out-of-Pocket Cap | ◇No annual maximum | ◆Annual maximum required |
| Referrals Required | ◆No referrals needed | Often required on HMO plans |
◆ Included · ◇ Not included · Varies by plan — benefits, premiums and networks differ by carrier and county
◆ Notice of Deadline
The Annual Enrollment Period runs from October 15 through December 7. Changes made within this window take effect January 1.
Article V
Our comparison and enrollment guidance is provided entirely free — you never pay a fee for our assistance.
No CostEvery advisor is state-licensed and carrier-certified, with annual training on current Medicare rules.
LicensedWe are not owned by any insurer. Recommendations follow your needs, not a single carrier's catalogue.
IndependentAccess plans from more than thirty national and regional carriers serving communities across the country.
NationwideAssistance does not end at enrollment. Your advisor remains available whenever your coverage questions arise.
OngoingEndorsements
“I had three letters on the table and no idea what any of them meant. An hour later I understood every option and chose with confidence.”
Margaret H.
Ohio
Rating 5/5 ◆◆◆◆◆
“What struck me was that nobody pushed a single plan. They laid out the trade-offs honestly and let me decide for myself.”
Robert T.
Arizona
Rating 5/5 ◆◆◆◆◆
“My prescriptions were the sticking point. They found a plan that covered all four and saved me a considerable amount.”
Dolores K.
Florida
Rating 5/5 ◆◆◆◆◆
Article VI
Speak with a licensed, independent advisor and see every Medicare option available where you live — without a fee and without obligation.
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