# Health Wise Plan

> Medicare and health plans, explained in plain English.


## Posts

- [How Medicare Part D Prescription Drug Coverage Works](https://healthwiseplan.com/how-medicare-part-d-prescription-drug-coverage-works/): Part D helps cover prescription drugs through private plans. Learn how formularies, drug tiers, and coverage stages work — and what to review each fall during open enrollment.
- [Turning 65? Your First-Time Medicare Enrollment Checklist](https://healthwiseplan.com/turning-65-your-first-time-medicare-enrollment-checklist/): Your 65th birthday opens a 7-month Initial Enrollment Period — and missing it can mean lifetime penalties. A plain-language checklist: your window, your coverage choices, working at 65, and what to review every year.
- [Medicare Advantage vs. Medigap: Understanding the Trade-Offs](https://healthwiseplan.com/medicare-advantage-vs-medigap-understanding-the-trade-offs/): Original Medicare leaves gaps — and the two most popular ways to fill them work very differently. A plain-language comparison of Medicare Advantage and Medigap: networks, costs, drug coverage, and the questions to ask before you choose.

## Pages

- [FAQ](https://healthwiseplan.com/faq/): Straightforward answers to the questions readers ask most.
- [Disclaimers](https://healthwiseplan.com/disclaimers/): Health Wise Plan provides general information only. This page sets out what that means, and what it does not mean.
- [Terms of Use](https://healthwiseplan.com/terms-of-use/): By using Health Wise Plan, you agree to these terms. Please read them carefully.
- [Privacy Policy](https://healthwiseplan.com/privacy-policy/): Health Wise Plan respects your privacy. This page explains what information this site collects, and what it does not.
- [Contact Us](https://healthwiseplan.com/contact-us/): Questions about Health Wise Plan? Use the form below to send us a message.
- [About Us](https://healthwiseplan.com/about-us/): Health Wise Plan is an independent educational blog that explains Medicare in plain language — its parts, costs, and enrollment windows — so readers can understand their coverage options with confidence.


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