Medicare, finally made simple
So many options, rules, and deadlines. We cut through the noise, explain your choices in plain English, and help you pick the plan that fits your health and your budget, at no cost to you.
The four parts of Medicare
Once you see how the pieces fit together, the whole thing gets a lot less intimidating.
Hospital
Inpatient hospital stays, skilled nursing, hospice, and some home health care.
Medical
Doctor visits, outpatient care, preventive services, and medical equipment.
Advantage
All-in-one plans from private carriers, often with dental, vision, and drug coverage.
Drugs
Prescription drug coverage that helps lower what you pay at the pharmacy.
Advantage or Supplement?
Two popular paths once you have Original Medicare. We help you weigh the trade-offs.
Medicare Advantage
Part C · all-in-one
- ✓ Bundles hospital, medical, and usually drug coverage
- ✓ Often includes dental, vision, hearing, and fitness perks
- ✓ Frequently $0 monthly premium, with a network of providers
Medicare Supplement
Medigap · predictable
- ✓ Helps pay the out-of-pocket costs Original Medicare leaves behind
- ✓ See any doctor nationwide who accepts Medicare, no networks
- ✓ Higher premium, but very predictable costs (pair with a Part D plan)
How we help
Wherever you are on your Medicare journey, there is a way we can make it easier.
New to Medicare
Turning 65 or retiring soon? We review the basics and costs, and compare your group plan to Medicare so you can choose with confidence.
Plan Review & Options
We make sure your current plan still fits, that you are getting every benefit you are entitled to, and look for ways to lower drug costs.
Medicare and Medicaid
If you qualify for both, special plans can offer enhanced benefits. Many people do not realize they are eligible. We will check and help you enroll.
Plans for Veterans
For veterans and spouses with Part A and B, many areas offer $0 premium plans with broad networks, extra benefits, and possible Part B reductions.
Expensive Prescriptions
Extra Help from Social Security can lower drug costs, cover your Part D premium, and remove late penalties. We will help you apply.
Ancillary Coverage
Round out your protection with Hospital Indemnity, Cancer, Dental, Vision, and Hearing plans that reduce out-of-pocket costs.
Know your enrollment windows
Timing matters with Medicare. Here are the key windows, and we will confirm which one applies to you.
Initial Enrollment
A 7-month window around your 65th birthday, the first time most people sign up for Medicare.
Annual Enrollment
Each fall you can switch, join, or drop a plan. The best time for an annual review to make sure you are not overpaying.
Special Enrollment
Moving, losing coverage, or other qualifying events can open a special window to make changes.
Medicare questions, answered plainly
What is Medicare?
A federal health insurance program for people age 65 and older, and for some younger people with disabilities or certain medical conditions.
What are the different parts of Medicare?
Part A is hospital insurance, Part B is medical insurance, Part C (Medicare Advantage) is offered by private companies, and Part D covers prescription drugs.
When am I eligible for Medicare?
Most people become eligible at 65. Some under 65 qualify with certain disabilities or conditions.
Original Medicare vs Medicare Advantage?
Original Medicare (Parts A and B) lets you see any doctor who accepts Medicare. Medicare Advantage (Part C) comes from private carriers and may add dental, vision, hearing, and drug coverage.
Can I change my plan later?
Yes. You can review and change coverage during the Annual Enrollment Period, October 15th to December 7th each year.
Let's find your right plan
A relaxed, no-cost conversation with a licensed advisor who explains everything and never pressures you.