Globalcare ConsultingMedicare · NJ · NY · GA
Medicare Plans
Medicare has four parts, and most people only need help choosing between two paths: Original Medicare paired with Medicare Supplement and Part D, or a Medicare Advantage plan that bundles everything together. Globalcare Consulting helps you compare options across New Jersey, New York, and Georgia — at no cost to you.
Two paths through Medicare
Most people only need help choosing between these two paths.
Original Medicare + Medicare Supplement + Part D
See any doctor who accepts Medicare. Add a Medicare Supplement policy to cover the gaps, and a standalone Part D plan for prescriptions.
- No network restrictions
- Predictable, stable costs
- Two premiums: Medicare Supplement + Part D
Medicare Advantage (Part C)
One plan bundles your hospital, doctor, and usually drug coverage — often with dental, vision, and hearing extras.
- Often $0 monthly premium
- HMO/PPO network
- Extra benefits built in
The four parts of Medicare
In plain terms — no jargon, just what each part actually covers.
Hospital
Inpatient care, most people get this premium-free.
Medical
Doctor visits and outpatient care. Monthly premium applies.
Advantage
Private-plan alternative to A & B, often bundled with D.
Drug coverage
Prescription coverage, standalone or bundled into Advantage.
Which path is right for you?
A starting point, not a recommendation — the right fit depends on your doctors, medications, and budget.
| Category | Original Medicare + Medicare Supplement + Part D | Medicare Advantage |
|---|---|---|
| Network | Any doctor who accepts Medicare | Usually HMO/PPO network |
| Monthly cost | Medicare Supplement premium + Part D premium | Often $0 premium, plan-specific copays |
| Extra benefits | None built in | Often dental, vision, hearing |
| Best for | People with pre-existing health conditions | Bundled coverage, lower upfront cost |
When can you enroll?
Three windows, depending on your situation.
- I.E.P.
Initial Enrollment Period
A 7-month window around your 65th birthday — 3 months before, your birth month, and 3 months after.
- A.E.P. · Oct 15 – Dec 7
Annual Enrollment Period
Switch, drop, or join a plan for the following year. Open to everyone, every year.
- S.E.P.
Special Enrollment Period
Triggered by a life event — moving, losing employer coverage, losing Medicaid, and others.