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Your Independent Medicare Broker
Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
Independent guidance for comparing Medicare coverage choices at 65.
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H
Medicare client
5 ★ · 85 reviews
Compare Original Medicare with Medigap and Part D against Medicare Advantage using your doctors, prescriptions, budget, and travel needs.
Call 1-800-DUDE-309 (800-383-3309)Still sorting out enrollment timing? Start with the Turning-65 Medicare guide.
Once you understand your enrollment timing, the next decision is how you want to receive Medicare coverage. The right path depends on the details of your care and the tradeoffs you are comfortable making.
Original Medicare includes Part A and Part B. Many people consider a Medicare Supplement policy, also called Medigap, to help with certain Original Medicare cost-sharing, plus a separate Part D plan for prescription drugs. Separate premiums may apply. Provider access, Medigap availability, and underwriting can depend on the provider, timing, state, and your circumstances.
Medicare Advantage plans provide Medicare-covered Part A and Part B services through private plans. Networks and plan rules may apply. Drug coverage is often included, but formularies, premiums, cost-sharing, extra benefits, and availability vary by plan and county or ZIP code. Plans include a maximum out-of-pocket limit for covered Part A and Part B services.
Check whether your doctors, hospitals, and specialists participate in the coverage you are considering. Ask how referrals, prior authorization, and out-of-network care work before you decide.
Review each medication on the plan formulary, its drug tier, pharmacy network, preferred pharmacies, prior authorization, step therapy, quantity limits, and estimated annual drug cost.
Look beyond the monthly premium. Compare deductibles, copays, coinsurance, prescription expenses, and the maximum out-of-pocket exposure that applies to Medicare Advantage plans. With Original Medicare, include any Medigap and Part D premiums in your comparison.
Consider how often you travel, whether you split time between states, and how each option handles routine and urgent care away from home.
Decide how important extra benefits are to you and how comfortable you are with plan networks, referrals, prior authorization, and other coverage rules.
Some people value broader provider flexibility and more predictable cost-sharing; others prefer lower upfront premiums and a plan with bundled features. Neither path is universally better.
This page is for choosing coverage. If you still need help with Medicare enrollment timing, automatic enrollment, working past 65, HSA considerations, or late-enrollment questions, start with the national Turning-65 guide or the focused resources below.
"I contacted William to assist my wife and I after moving to Florida from another state. He contacted us immediately and scheduled a phone appointment for the following week. We spent about an hour getting to know each other and our needs. He recommended several companies to match our needs and our location here in FL that we would NEVER had figured out on our own. Praise the Lord for Bill and for his help!! I would recommend him to anyone and everyone!!"
Jim M.
Medicare client · Verified Google Review
"Working with William Gray on my Medicare selections was an outstanding experience. Navigating Medicare can feel overwhelming, but William made the entire process simple, clear, and stress-free. He took the time to understand my specific needs, explained every option in a way that was easy to grasp, and offered thoughtful guidance without ever making me feel rushed or pressured."
Julie K.
Medicare client · Verified Google Review
"ABSOLUTELY GOD SENT! I knew nothing about Medicare and close to panicking before speaking with William. Super professional, well informed and kind! Anyone out there approaching 65 years old needs someone like William in their corner; he walked me through each step and all the options best suited my needs!!! All at NO COST because he is paid through the insurance companies."
JKC
Medicare client · Verified Google Review
"Navigating the healthcare system is complex to say the least. This is where The Medicare Dude, William Gray, shined for us on the road to consummating an ideal configuration for our unique and collective situations. William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage consult in our best interests. He's always available when questions arise."
TinaKelvin B.
Medicare client · Verified Google Review
"I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra A.
Medicare client · Verified Google Review
"Very Knowledgable and personable! William made a seemingly difficult transition easy and seamless. I appreciated his unbiased opinion and personalized what was best for me. He took great care in listening to my concerns. I never felt rushed and felt he took a personal interest in assisting me to make the best choice. Not one of those "Big box" sales as seen on TV. Highly recommend William."
Sharon H.
Medicare client · Verified Google Review
Showing 6 of 85 verified Google reviews
William can help you compare represented Medicare Advantage, Medicare Supplement, and Part D options based on your providers, prescriptions, budget, and location. Plan availability and benefits vary by area, carrier, plan, eligibility, and appointment or authorization requirements.
The Medicare Dude is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Not all plans or carriers may be available in your area. Plan availability, benefits, costs, networks, formularies, and eligibility vary by location and individual circumstances.
