Medicare Supplements & Advantage Plans

Medicare A-B-C-D


Simply put, you can break down Medicare into 4 parts.  Each part has a specific role in the plan that you choose. A fifth component consist of Medicare Supplement Plans, sometimes referred to as Medigap plans.

You may click on any of the links above to get more info from In addition, I've summarized each part on this page.  

Medicare Advantage (Part C)


Medicare Advantage plans provide you all the benefits of original Medicare Parts A & B, provided to you by a private insurance company that contracts with Medicare. 

Many plans incorporate Part D prescription plans. In addition, the private insurance carrier can offer additional benefits not covered by original Medicare.

These plans require a detailed review of doctors, hospitals, pharmacies & medications prescribed in order to find the best plan for you. 

Medicare Prescriptions (Part D)


Medicare drug plans are designed to reduce your out of pocket exposure for your prescriptions. The drug plan can be broken down into 4 stages. 

  1. Deductible 
  2. Initial Coverage Stage
  3. Donut Hole
  4. Catastrophic Level

I can help you break down each stage and help you predict your out-of-pocket exposure on an annual basis. 

A formal review of your medications and the pharmacy of choice provides you a predictable cost. It's a good idea to review your plan on an annual basis. A simple switch in pharmacies or using mail order can sometimes make an impact on your out-of-pocket exposure.

Medicare Supplement (Medigap)


After Medicare Parts A & B pay for your covered services, supplement plans are designed to pick up the remaining cost. If predictability of healthcare expenses is your goal, a Medicare supplement may be your best choice. 

Supplement plans provide more freedom when choosing a doctor or hospital. If a doctor or hospital accepts Medicare assignment, you can use your plan with them. Fortunately, that is the majority of doctors and hospitals in the United States.

In addition, you will need to pick a Part D Prescription plan to compliment your supplement.



As an independent agent I represent multiple carriers that will vary by product and states. This is my current list of carriers. This list is subject to change.




AARP United Healthcare

Bankers Fidelity



Guarantee Trust Life



Liberty Bankers


Manhattan Life

Medical Mutual of Ohio



Mutual of Omaha


Thrivent Financial


United American

Licensed States


I currently hold a license in 16 states. My carrier list varies by state. My National Producer Number is #3772700. 

  • Arizona
  • Colorado
  • Florida
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Nevada
  • Ohio (Resident License)
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Virginia
  • Washington 
  • West Virginia

Get a Medicare Supplement Quote

 Government Disclaimer: By providing the information above, I give permission for licensed sales agent “Chris Ruhm”  to contact me by phone or email to discuss Medicare Advantage, Supplement and Part D Prescription Drug Plans. I am not connected with or endorsed by the United States government or the federal Medicare program. Your information will not be sold or used by anyone but me for the soul purpose of giving you a quote.  National producer number is 3772700.  Ohio Resident License: 1136489

Ruhm Insurance Agency, LLC

Cincinnati, Ohio, United States

(513) 335-2465