Part A
Hospital coverage
Helps pay for inpatient hospital stays, skilled nursing facility care after a qualifying stay, hospice, and some home health care. Most people pay no monthly premium for Part A because of their work history.
Medicare
Turning 65? Let's Cut Through the Confusion.
Straight answers about how the parts of Medicare fit together, what they cover, and how the timing works — before you make any decisions.
To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
The basics
The four parts of Medicare
Part B
Medical coverage
Covers doctor visits, outpatient care, lab work, durable medical equipment, and many preventive services. Part B has a standard monthly premium set each year and cost sharing you are responsible for.
Part C
Medicare Advantage
A plan from a private carrier that bundles Part A and Part B, usually with a provider network. Many plans include prescription drug coverage and extra benefits such as dental or vision.
Part D
Prescription drugs
Covers prescription medications through private plans. Every plan has its own formulary and pharmacy network, so the right plan depends on the specific medications you take.
General comparison
Medicare Advantage vs. Medicare Supplement
An educational overview of how the two approaches generally differ. Specific plans, benefits, and costs vary by carrier and county.
| Topic | Medicare Advantage | Medicare Supplement |
|---|---|---|
| How it works | Replaces how you get Parts A and B through a private plan | Works alongside Original Medicare to help with its cost sharing |
| Provider access | Usually a network; referrals may apply depending on plan type | Generally any provider that accepts Medicare |
| Prescription drugs | Often included in the plan | Purchased separately as a stand-alone Part D plan |
| Extra benefits | Plans may include dental, vision, hearing, or fitness benefits | Not included; can be added with separate coverage |
| Out-of-pocket costs | Copays and coinsurance as you use care, with an annual maximum | Lower cost sharing at the point of care, higher monthly premium |
| Health questions | Generally none during eligible enrollment periods | May apply outside of your one-time open enrollment window |
| Best fit for | People comfortable with a network and predictable copays | People who want broad provider freedom and fewer bills to sort out |
This table is general education only and does not describe any specific plan.
Annual Enrollment Period
October 15 – December 7
Each year during this window, people already enrolled in Medicare may review and change Medicare Advantage or Part D coverage for the following January. Many people keep the plan they have — the point is simply to check.
How we work
Why an independent broker
Many carriers, one conversation
We are contracted with many major carriers in the states we serve, so you can compare options in a single appointment.
Premiums are the same either way
Plan premiums are filed with regulators. Using a licensed insurance agent does not add to what you pay.
Service after enrollment
Billing questions, ID cards, pharmacy issues, and an annual review — we stay your point of contact.
Questions
Medicare questions we hear most
Let's review your Medicare options together.
No pressure, no obligation — just a conversation with a licensed insurance agent about the options available to you.
To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
Medicare Compliance Statement
This website represents no obligation to enroll. Not affiliated with or endorsed by the government or Federal Medicare program. Magnolia Family Insurance is an independent insurance agency. We represent multiple insurance carriers to help you find the plan that best fits your needs.
Medicare has neither reviewed nor endorsed this information. As an independent agency, Magnolia Family Insurance offers comparison services to find the best plan for your needs from multiple carriers. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week, or consult www.medicare.gov.