Carrier Comparison

20+ Carriers. One Unbiased Comparison.

We have relationships with every major Medicare and Medicaid insurer. That means you see the full market — not just what one company wants to sell you.

Plan Types

The Plans We Compare

Every carrier offers different plan types. We compare across all of them to find your best fit.

Advantage

Medicare Advantage (Part C)

Bundled coverage replacing Original Medicare — often includes dental, vision, hearing, and Rx.

Medigap

Medicare Supplement (Medigap)

Fills gaps in Original Medicare — covers copays, coinsurance, and deductibles.

Part D

Part D Drug Plans

Standalone prescription drug coverage — we match your medications to the best formulary.

D-SNP

Dual-Eligible (D-SNP)

Coordinates Medicare and Medicaid for qualifying seniors — often $0 premium.

Our Network

Major Carriers We Work With

We are certified with all of the carriers below — and many more. Availability varies by location.

Humana

One of the largest Medicare Advantage providers in the nation with broad plan variety.

Medicare AdvantagePart DMedigap

Aetna

Strong network coverage with competitive premiums and extra benefits.

Medicare AdvantagePart DMedigap

UnitedHealthcare

The largest Medicare Advantage insurer — extensive nationwide network.

Medicare AdvantagePart DMedigap

Cigna

Known for strong customer service and comprehensive supplemental benefits.

Medicare AdvantagePart DMedigap

Blue Cross Blue Shield

Trusted regional plans with deep local provider networks across all 50 states.

Medicare AdvantagePart DMedigap

Anthem

Competitive Advantage plans with robust dental, vision, and hearing add-ons.

Medicare AdvantagePart D

Wellcare

Specializes in low-income and dual-eligible plans with $0 premium options.

Medicare AdvantagePart DD-SNP

Molina Healthcare

A leader in Medicaid and dual-eligible plans for qualifying seniors.

Medicare AdvantageMedicaidD-SNP

Centene

Broad Medicaid managed care with strong dual-eligible coordination.

Medicare AdvantageMedicaidD-SNP

Kaiser Permanente

Integrated care model — insurance and care delivery under one roof.

Medicare Advantage

Mutual of Omaha

Highly rated Medigap plans with stable premiums and strong financial backing.

MedigapPart D

Devoted Health

Tech-forward insurer with personalized care coordination and strong ratings.

Medicare Advantage

Plus many additional regional and local carriers depending on your area.

Our Process

What We Compare — and Why It Matters

A low premium doesn't always mean the best value. We look at the full picture so you never face a surprise bill.

01

Monthly Premium

What you pay each month regardless of usage. Many Medicare Advantage plans offer $0 premiums.

02

Out-of-Pocket Maximum

The most you will ever pay in a year. Lower caps mean more financial protection.

03

Drug Formulary

Whether your specific prescriptions are covered — and at what tier/cost.

04

Provider Network

Whether your preferred doctors and specialists are in-network.

05

Extra Benefits

Dental, vision, hearing, transportation, OTC allowances, and fitness memberships.

06

Star Ratings

CMS quality ratings (1–5 stars) measuring plan performance and member satisfaction.

Why Is This Service Free?

Insurance carriers pay independent brokers a commission when a client enrolls in one of their plans. This commission is built into every plan's pricing — whether you use a broker or not. By working with us, you get expert guidance and a full market comparison at absolutely no additional cost.

No broker fees — ever
Commission does not affect your premium
We work for you, not the carriers

Ready to See Your Options?

We'll run a full comparison for your area — free, fast, and with no obligation.

Smith Stone Advisory Group

Independent Medicare & Medicaid insurance broker serving senior citizens. We compare plans from all major carriers to find your perfect fit — at no cost to you.

Contact Us

(980) 257-2331[email protected]
Serving clients nationwide

© 2026 Smith Stone Advisory Group. All rights reserved.

Smith Stone Advisory Group is an independent insurance broker. We are not affiliated with or endorsed by Medicare, Medicaid, or any government agency. Plan availability varies by location.