CoverRight Review

Finding the right Medicare or Medigap (Medicare Supplement) plan can be overwhelming—but that’s where CoverRight comes in. They’ve built a user-friendly platform that puts your needs first, guiding Medicare-eligible individuals through the process with ease.

By filling out a quick online form or speaking with a representative by phone, you’ll be connected with a licensed agent who will provide customized plan options. Whether you’re considering a Medigap policy or exploring Medicare Advantage, CoverRight’s team is there to help you weigh your choices based on your healthcare priorities and financial situation.

What is CoverRight?

If you’re 64 or older and starting to think about health insurance and Medicare options, CoverRight can be a solid resource. They take a tech-savvy, direct-to-consumer approach that makes it easier for their agents to match you with a plan that fits your needs—without pushing unnecessary extras.

If you’re already signed up for Medicare, keep in mind that you can only make changes to your Medicare Advantage or Part D prescription drug plan during certain enrollment periods throughout the year.

Plans

CoverRight makes navigating Medicare surprisingly simple. Whether you’re just getting started or thinking about switching plans, their platform guides you step-by-step, even helping you figure out the best time to enroll based on your personal situation.

If you’ve already got a good idea of whether a Medicare Advantage plan or Original Medicare with a Medigap policy suits you better, you can jump straight into reviewing your choices. But if you’re still figuring things out, don’t worry—CoverRight provides a straightforward Medicare 101 video course and a short quiz designed to guide you toward the option that best matches your health needs and personal priorities.

The whole experience is designed to be informative and user-friendly, giving you the confidence to make decisions without feeling overwhelmed. And if you prefer to explore on your own, CoverRight provides instant quotes so you can browse plans and prices at your own pace.

Original Medicare

Original Medicare consists of two components: Part A, which mainly covers inpatient hospital stays and related costs, and Part B, which pays for outpatient care such as doctor appointments and preventive services. It’s important to remember that this coverage does not extend to prescription medications—you’ll need to enroll in a standalone drug plan if you want that protection.

Also, be aware that Original Medicare comes with out-of-pocket expenses. For instance, Part A has a deductible of nearly $1,500 for each benefit period, and you could face more than one of those in a year. Medicare Part B comes with a modest deductible—typically around \$200—and once you’ve met that, you’ll pay about 20% of the Medicare-approved amount for most services.

While you can rely solely on Original Medicare, many people opt for additional coverage to fill those financial holes. CoverRight can be helpful in looking for options that are in line with your budget and health needs

Medicare Part D

If you choose Original Medicare and need prescription drug coverage, you’ll have to enroll in a Part D plan, often referred to as a Prescription Drug Plan (PDP). It’s important to note that Medicare Supplement plans do not offer drug coverage. So, even if you have a Medigap plan, you’ll need to sign up for a separate PDP to get prescription benefits.

These plans usually come with a monthly premium, an annual deductible, and either copays or coinsurance when you fill prescriptions. Each plan has a formulary, which lists the covered medications, organized into tiers. These drugs are grouped into tiers, and your out-of-pocket costs depend on which tier your medication falls under.

Not sure which PDP to pick? CoverRight can help you compare plans and find one that aligns with your current prescriptions and budget.

Medicare Supplement Insurance (Medigap)

Medicare Supplement plans—also called Medigap—are designed to help cover the out-of-pocket costs that come with Original Medicare, like deductibles, copays, and coinsurance. These plans kick in after Medicare pays its share.

Medigap plans are organized by letter and each lettered plan offers the same set of benefits, no matter which insurance company you buy it from. Take Plan G as an example—no matter which insurance company offers it, the benefits you receive will be identical. However, what you pay each month can differ significantly depending on the provider. It’s also worth mentioning that not every Medigap plan is available to everyone. Some options, like Plans E and H, are no longer on the market. And if your Medicare eligibility began on or after January 1, 2020, you’re not eligible to sign up for Plan F or Plan C.

While the coverage is standardized, pricing and availability can vary, so it’s important to compare carefully. For example, one insurer’s price for Plan G might be higher or lower than another’s. That’s where CoverRight can assist—by helping you compare options to find a plan that fits both your needs and your budget.

Medicare Advantage Plans

Medicare Advantage is a bundled option that replaces Original Medicare and is provided by private insurance carriers. These plans include the core benefits of Part A and Part B, and some may also come with a monthly cost. One reason people consider Medicare Advantage is because many of these plans offer added perks. It’s not unusual to find options that cover things like dental and vision care, hearing services, gym memberships, and even prescription medications through built-in Part D coverage.

That said, these plans usually come with copays and possibly a deductible. Most also have a provider network, which means you may need to stick with doctors and facilities in the network—or pay more if you go out of network. CoverRight can help you explore Medicare Advantage options and see which plans best match your healthcare needs and lifestyle.

Customer Support

CoverRight also goes beyond just your location to help you find a plan that matches your needs. They’ll consider things like your preferred doctors, medications, and any extra benefits you’re looking for. Plus, CoverRight offers plenty of educational resources to help you better understand your Medicare options, making the whole process clearer and more manageable.

CoverRight makes it easy to get the support you need, with several convenient ways to connect. You can call them directly at 1-888-969-7667, send a quick email or chat message, or schedule a consultation through their online form if you’d prefer to have someone call you at a specific time. Once you speak with an agent over the phone, they’ll become your dedicated contact—ready to provide personalized quotes and guide you through every step of the Medicare process.

Customer support is available from 8 AM to 10 PM, Monday through Friday, and 9 AM to 4 PM on weekends. With extended hours and multiple communication options—phone, email, text, and online chat—it’s easy to get help when it works best for you.

Conclusion

You could spend hours doing research on Medigap policies, Medicare Advantage plans, and PDPs to find the right fit—or you could save yourself all that time and hassle by using CoverRight.

Unlike many other insurance comparison sites that require your phone number to get a free quote and then bombard you with calls from salespeople, CoverRight respects your privacy. You won’t be contacted unless you specifically ask for it, so you won’t have to worry about your information being sold to third parties or getting unwanted calls.

Their agents are focused on what’s best for you, with no pressure to push one plan over another. Plus, CoverRight’s policy of not selling your data means you won’t be bombarded with unwanted calls. Their platform is designed to streamline the Medicare selection process, helping you make informed choices more efficiently while potentially reducing your overall costs.