Medicare Supplement (Medigap)
Helps pay the costs Original Medicare leaves behind, such as deductibles and coinsurance. See any doctor or hospital in the U.S. that accepts Medicare — no referrals. Usually paired with a Part D drug plan.
Health Insurance
Individual & family plans and Medicare, compared in one place.
Health plans change every year — carriers, premiums, doctor networks and drug lists can all shift. Mandy follows CMS guidelines and reviews options with clients each year, rather than letting plans auto-renew unchecked.
Individual & Family Plans (ACA Marketplace)
For individuals, families, the self-employed and small-business owners without employer coverage. If you qualify based on income and other rules, a federal premium tax credit can greatly lower your monthly cost.
- No denials or higher prices for pre-existing conditions
- Premium subsidies based on household income
- Bronze, Silver and Gold plan levels
- Enroll each fall, or after a qualifying life event such as moving, losing coverage, marriage or a new baby
Medicare
You can join Medicare at 65, or earlier if you qualify through disability. On top of Original Medicare (Part A hospital, Part B medical), most people add one of these options:
Medicare Advantage (Part C)
Offered by private insurers in place of Original Medicare Parts A and B. Most include drug coverage, and many add dental, vision and hearing. You generally use the plan’s network; some plans have a $0 monthly premium (you still pay Part B).
Prescription Drug Plan (Part D / PDP)
Stand-alone drug coverage that works alongside Original Medicare or a Supplement plan. Drug lists and costs change yearly, so it is worth reviewing every year.
Key Medicare dates
- Initial Enrollment
- 7 months around your 65th birthdayThe 3 months before, your birthday month, and the 3 months after
- Annual Enrollment
- Oct 15 – Dec 7 each yearSwitch Advantage or drug plans; changes start Jan 1
- Medicare Advantage Open Enrollment
- Jan 1 – Mar 31 each yearIf you have Medicare Advantage, you can make one change
Other Health Coverage
Extra protection to fill gaps around your main health plan.
Dental & vision
Cleanings, fillings, eye exams and glasses.
Critical illness, accident & hospital
Cash paid directly to you on diagnosis or hospitalization, to help with high deductibles.
Short-term medical
Temporary coverage while you wait for other insurance to start (not ACA-compliant).
Visitor & travel medical
Coverage for visiting parents, visiting scholars and other short-term visitors.
How it works
- 1
Free consultation
Call, WeChat, or visit the office. We start with your family and budget.
- 2
Compare options
Plans from multiple carriers, explained in plain language.
- 3
Enroll & ongoing help
Help with the application, then renewals, claims and changes.
Common questions
Does it cost more to enroll through Mandy?
No. Agents are paid by the insurance company, and ACA and Medicare plan premiums are the same as buying on your own.
Who qualifies for ACA premium subsidies?
It depends on household income, size and immigration status, and you generally can't have affordable employer coverage, Medicare or Medicaid. The rules change with federal policy — Mandy can check your eligibility for free.
Medicare Supplement or Medicare Advantage — which is better?
Supplements cost more each month but have low out-of-pocket costs and let you see any Medicare doctor. Advantage plans cost less monthly and add extra benefits, but use a network and have a yearly out-of-pocket cap. Your health, doctors, budget and travel all matter.
Not sure which option is right for you?
Consultations are free, with no obligation. 中文 or English.