Imagine that you’re in the market for a vehicle. You’re looking at information online, finding all your options, or visiting dealerships. Every vehicle has the same basic features like x4 wheels, an engine, steering wheel, a windshield, blinkers, headlights, seatbelt, etc… But every vehicle is different in many many other ways. Every one of them is going to cost money, require gas or electricity, and need some level of ongoing maintenance. But from there, they start to differ—a lot.
Some cars are electric. Some run on gas. Some take diesel. You’ve got hybrids now, too. And then there are all the bells and whistles—huge touchscreen dashboards, heated seats, backup cameras, voice control, or just the basics. Some are fast. Others are heavy-duty. You get the point.
Now here’s where Medicare comes in. Choosing a Medicare plan is kind of like picking out a car. There are a ton of options. And while all of them are technically vehicles (or technically Medicare plans), not every one is going to fit you.
It’s Not What’s Best on Paper—It’s What’s Best for You
What looks good on a chart might not actually work for you—just like buying a car, it’s really about what fits into your actual day-to-day life. Some people need something affordable while others want peace of mind. Some people want it simple and straightforward, while others want every bells and whistles out there—even if it means paying a higher monthly premium. That’s similar to how health insurance works.
Now, imagine you live in a place where the snow piles up for half the year (we’ll say somewhere north of Green Bay WI, like Oconto or 30 miles west or Marinette). A truck with four-wheel drive might be essential. But if you live downtown Milwaukee, drive only five miles a week and never leave the city, you might be better off with something small and fuel-efficient to not waste the money in gas. Same thing goes for Medicare. Where you live, how you use your insurance, how often you see your doctor, which doctors, what prescriptions you take—all of it changes what kind of plan is going to serve you best.
Strong Opinions Don’t Equal the Right Answer
Just like shoppers who prefer specific makes or models of vehicles, those shopping for Medicare plans likewise have some strong opinions when it comes to which type of plan they think is the best. The Ford vs Chevy fanatics, the Tesla purists, or those who swear by their old Honda. Nobody is objectively wrong or right, there are a lot of factors that goes into their experience, comfort, needs and opinions.
In the Medicare world, that sounds like this:
“Medicare Advantage plans are the only ones that make sense. Everything else is outdated.”
“Only a Medicare supplement gives you the coverage you need. Advantage plans are risky garbage.”
You’ll hear both. And you know what? Both are wrong if they act like there’s only one right answer for everyone. Because the truth is, you are the deciding factor. The neighbor, your cousin, the guy on YouTube, and even your doctor don’t decide for you. It’s you.
Why We Do It Differently at OnMedicare
And that’s why we do things differently at OnMedicare Insurance Agency. We don’t push one type of plan or claim that only a supplement or an Advantage plan works. We ask questions. We listen. We figure out what matters most to you and then walk you through the different options so you can decide for yourself what feels right.
It’s not about selling you a plan. It’s about finding one that fits. It’s about helping you find what actually matches your health, your needs, your budget, and your lifestyle.
Plans Need Maintenance Too
Just as cars require regular maintenance, your Medicare plan also needs periodic reviews to ensure it still meets your needs. Every year things change. New plans come out. Your health might change. Prescription costs go up or down. That’s why our clients hear from us every fall. We go over your coverage, re-check your needs, and make sure you’re still in the best plan for you.
A plan that was perfect two years ago might not be the right one anymore. That’s okay. We just update things and keep moving forward.
Your Needs Change—So Should Your Plan
So, going back to the vehicle metaphor—imagine if someone told you the very first car you ever bought had to be the car you drive for the rest of your life. That would be insane, right? Life changes. Your needs change. Maybe you need more room now. Maybe you want better gas mileage. Maybe you want something easier to enter and exit. The same goes for Medicare.
You Deserve Real Help—Not a Sales Pitch
You deserve options. You deserve clarity. You deserve someone who isn’t trying to make a sale, but trying to be your advocate.
We know that talking about insurance isn’t most people’s idea of fun; it can be confusing, but it doesn’t have to be. We simplify the whole thing, making it easy to understand and, most of all, personal.
If you’re overwhelmed by Medicare options, begin by finding a local, independent agency like ours that prioritizes your needs. Find a health insurance agency in Green Bay, WI that you can trust to walk beside you, not talk over you.
That’s what we do at OnMedicare. And we’d be honored to help you figure out what kind of Medicare plan drives best for your life.
Come see us. Kick the tires. Take a test drive. We’ll walk you through every option and make sure you leave feeling good about where you’re headed.
Because your health deserves more than a cookie-cutter answer. It deserves a team that knows the road and rides with you the whole way.