Plans & Options Overview
Explore Your Health Coverage Options
Finding the right health insurance shouldn’t be stressful. At Infinite Health, we make it easy to explore your options and choose a plan that fits your lifestyle, budget, and healthcare needs.
Overview of Plan Types Offered
health coverage options for every stage of life
Medicare Advantage Plans (Part C)
All-in-one plans that often include hospital, doctor, prescription, dental, and vision coverage.
Medicare Supplement Plans (Medigap)
Add-on coverage that helps pay for costs not covered by Original Medicare.
Prescription Drug Plans (Part D)
Standalone drug coverage for those with Original Medicare or Medigap.
ACA Marketplace Plans
Health plans that meet Affordable Care Act requirements, with subsidies available.
Short-Term Health Insurance
Flexible, temporary coverage for gaps between jobs, waiting periods, or other transitions.
Dental & Vision Plans
Optional add-on coverage to keep up with routine care and maintain your overall wellness.
Plan Comparison
Medicare Advantage vs. Supplement vs. ACA
Feature | Medicare Advantage | Medicare Supplement (Medigap) | ACA Marketplace Plans |
---|---|---|---|
Primary Audience | Age 65+ | Age 65+ | Under 65 |
Includes Drug Coverage | ✅ Usually included | ❌ Not included (Part D required) | ✅ Included |
Dental & Vision | ✅ Often included | ❌ Not included | ⚠️ Varies by plan |
Provider Flexibility | ⚠️ Network restrictions may apply | ✅ Any Medicare provider | ⚠️ Varies by plan |
Cost Structure | 💲 Lower premiums, higher out-of-pocket | 💲 Higher premiums, lower out-of-pocket | 💲 Based on income/subsidies |
What Plan Is Right for You
Here to Help You
Not sure where to start? Don’t worry—our licensed advisors will help you evaluate your options and find a plan that checks all the right boxes.
Choosing the best health plan depends on your unique needs. Here’s what to consider:
Your age and eligibility
Are you 65+ or under 65?
Your current health needs
Do you need prescription coverage, frequent doctor visits, or extra benefits like dental or vision?
Your financial situation
What monthly premium and out-of-pocket costs are realistic for you?
Quick Links to Plan Types
Jump straight to the plan type that fits your needs
Medicare Advantage
What It Covers
Medicare Advantage (Part C) plans bundle Medicare Part A (hospital) and Part B (medical), and often include additional benefits like:
- Prescription drug coverage (Part D)
- Dental and vision services
- Hearing aids and wellness programs
- Fitness memberships (e.g., SilverSneakers)
Who It’s Best For
- Individuals 65+ looking for a simple, bundled plan
- Those comfortable using network providers
- People wanting extras like dental, vision, or gym memberships
Example Plans
- $0 premium HMO plan with drug, dental & vision coverage
- PPO plan with out-of-network access and low copays
Pros
- All-in-one coverage
- Often lower monthly premiums than Medigap
- Extra benefits beyond Original Medicare
Cons
- Limited provider networks (HMO/PPO)
- May require referrals or prior authorization
- Costs can vary based on service use
Common Questions
-
Do I lose Original Medicare with an Advantage plan?
No—you remain enrolled in Medicare but receive benefits through a private insurer. -
Can I switch plans later?
Yes, during the Annual Enrollment Period (Oct 15–Dec 7).
Medicare Supplement (Medigap)
What It Covers
Medigap helps cover costs not paid by Original Medicare, like:
- Deductibles
- Copayments
- Coinsurance
- Foreign travel emergency coverage (select plans)
Eligibility & Timing
- Best time to enroll: Within 6 months of enrolling in Part B (no underwriting required)
- After this window, acceptance isn’t guaranteed and may be based on medical history
Cost Overview
- Higher monthly premiums than Advantage plans
- Lower out-of-pocket expenses when you receive care
Compared to Advantage Plans
- Medigap offers nationwide provider access—no networks
- Doesn’t include drug, dental, or vision (must be added separately)
- More predictable costs; fewer out-of-pocket surprises
Prescription Drug Plans (Part D)
Overview
Part D plans offer prescription drug coverage for those with Original Medicare or Medigap. Each plan covers a different list of medications (formulary).
Enrollment Periods
- Initial Enrollment (when you turn 65)
- Annual Enrollment (Oct 15–Dec 7)
- Special Enrollment for qualifying life events
Benefits Include
- Coverage for generic and brand-name drugs
- Reduced out-of-pocket costs
- Pharmacy network savings
- Protection from late enrollment penalties
Tools to Compare Plans
We help match your medications to plans that:
- Cover your prescriptions
- Work with your preferred pharmacy
- Offer the lowest copays possible
ACA Health Plans
(Marketplace Plans)
What ACA Plans Cover
ACA-compliant plans offer 10 essential benefits, including:
- Doctor visits and hospital stays
- Emergency services
- Prescription drugs
- Maternity care and mental health services
- Preventive screenings and vaccines
Understanding the Marketplace
Plans are categorized into tiers (Bronze, Silver, Gold, Platinum), with differences in premium cost and coverage levels. You can compare and enroll through state or federal exchanges.
Eligibility & Subsidies
- Available to U.S. citizens and legal residents
- Most applicants qualify for premium subsidies or cost-sharing reductions
Enrollment Periods
- Open Enrollment: Nov 1 – Jan 15
- Special Enrollment: Qualifying life events (e.g., job loss, move, marriage)
Short-Term Health Insurance
What It Covers
Short-term plans offer temporary coverage for:
- Emergency visits
- Hospitalization
- Doctor appointments
- Basic prescriptions (varies by plan)
Who Qualifies
- People between jobs or waiting for ACA/Medicare coverage
- Those who missed open enrollment
- Healthy individuals looking for low-cost, short-term options
Limitations
- Doesn’t cover pre-existing conditions
- Not ACA-compliant (no essential benefits guaranteed)
- Limited in duration—often 1–12 months
Cost Comparison
- Lower monthly premiums
- Higher deductibles and more limited coverage
- Ideal for short-term protection, not long-term care
Dental & Vision Plans
What It Covers
Dental:
- Preventive cleanings and exams
- Fillings, crowns, and root canals
- Orthodontics (on select plans)
Vision:
- Eye exams
- Glasses and contact lenses
- Discounts on LASIK
Who Can Enroll
- Individuals and families of any age
- Medicare or ACA users adding supplemental care
- Anyone needing standalone dental or vision coverage
Costs & Carriers
- Affordable monthly premiums
- Varying levels of coverage by provider and plan
- Large networks of dentists and optometrists
Add-Ons to Health Plans
Dental and vision coverage can often be bundled with ACA or Medicare Advantage plans, or purchased separately.