Best Medicare Plans Near Me? Compare BEFORE You Choose

What Does “Best Medicare Plan Near Me” Really Mean?

When someone asks about the best Medicare plan near them, they usually want a plan that:

• Has the lowest monthly premium
• Covers their doctors and preferred hospitals
• Includes their prescriptions
• Offers extra benefits like dental, vision, or gym memberships

But here’s what many people don’t realize—Medicare plans are not one-size-fits-all. Medicare Advantage plans, in particular, vary by zip code, while Medicare Supplement (Medigap) plans vary by zip code and age. Part D prescription plans can also change based on the pharmacy you use and the medications you take.

That means the best Medicare plan in Texas might be a poor fit for someone in Ohio. Even your spouse could need a different plan based on their health needs.

Start by Deciding the Right Type of Plan for You

Before you compare the best Medicare plans near you, it helps to understand the two main types of coverage options:

1. Medicare Supplement (Medigap) Plans + Part D

Medicare Supplement plans work alongside Original Medicare (Parts A & B). You can go to any doctor or hospital in the country that accepts Medicare—no network restrictions.

The most popular Medigap options are Plan G and Plan N.

• Plan G covers everything Medicare doesn’t, except for the annual Part B deductible ($257 in 2025).
• Plan N also covers most costs but includes small copays ($0–$20 for doctor visits, $50 for ER unless admitted) and doesn’t cover Part B excess charges.

You will need to enroll in a separate Part D drug plan and standalone dental/vision if needed.

Who this is best for:
People who value freedom to see any provider, frequent travelers, or those who want stable, predictable out-of-pocket costs.

2. Medicare Advantage (MA) Plans

These plans, often HMO or PPO, are offered by private insurance companies and take over your Medicare benefits. Many come with $0 premiums and built-in benefits like dental, vision, hearing, fitness memberships, and prescription coverage.

• HMO plans require you to use network doctors and get referrals.
• PPO plans offer some out-of-network coverage but usually at higher costs.

Who this is best for:
Healthy individuals who don’t travel much, want a low or $0 premium, and prefer having all benefits bundled into one plan.

Real-World Medicare Plan Examples

Let me share two client stories to illustrate how the right plan is about more than just price:

• Arizona Client: Wanted to keep their cardiologist, have dental and vision, and pay $0 monthly. We found them a local PPO Medicare Advantage plan that checked all those boxes, including $2,000 per year in dental benefits.
• Virginia Client: Prioritized freedom to see any doctor across the country. We enrolled them in Medicare Supplement Plan G with a separate Part D plan. It cost more monthly, but now they can visit any Medicare-accepting specialist nationwide.

How to Compare the Best Medicare Plans Near You

When looking for the best Medicare plan near you, ask the following questions:

1. Are my doctors in-network?
   Especially for Medicare Advantage plans, network participation is key.
2. Will my prescriptions be covered—and what will they cost?
   Check the plan’s drug formulary and preferred pharmacy list.
3. Are local hospitals part of the plan’s network?
4. What is the monthly premium—now and projected next year?
5. What is the annual maximum out-of-pocket cost?
   For Medicare Advantage plans, this cap can range from $3,000 to $9,000 depending on the plan and location.

Our Top 2 Recommendations

Over the past decade, these are the two plan types we’ve recommended most frequently:

1. Medicare Supplement Plan G or Plan N

• Nationwide provider access
• Premiums range from $80–$200/month depending on location and age
• Plan G covers nearly everything except the Part B deductible
• Plan N includes minor copays and excludes excess charges

Ideal for people who want predictable costs, no referrals, and full control over their providers.

2. Medicare Advantage PPO Plans

• $0 or low monthly premiums
• Bundled prescription, dental, vision, and hearing coverage
• Out-of-network flexibility (at higher cost)

Best for healthy individuals who want a budget-friendly, all-in-one solution and don’t mind working within a network.

Avoid This Costly Mistake

The biggest mistake I see? Choosing a Medicare plan based on an ad or commercial without checking if your doctors, prescriptions, and benefits are actually covered.

Just because a plan is popular or has a $0 premium doesn’t mean it’s right for you. Plans change every year—premiums go up, doctors leave networks, and benefits shift.

If you don’t review your Medicare coverage annually, you could end up paying thousands more than necessary or even losing access to your preferred providers.

Ready to Find the Best Medicare Plan Near You?

At Bluewave Insurance, we specialize in helping folks compare Medicare plans side-by-side—based on your location, your doctors, your medications, and your needs.

We’ve helped thousands of people across the U.S. find the right Medicare plan and avoid the guesswork. If you want to review your options or get a free quote, give us a call at 800-208-4974 to book a free Medicare consultation.

Don’t leave your healthcare up to chance. Compare before you choose and find the best Medicare plan near you—because the right plan could save you thousands and give you peace of mind.