Navigating Medicare can feel overwhelming — but it doesn’t have to be. Whether you’re new to Medicare, reviewing your current plan, or exploring better options, we’re here to make the process simple, clear, and tailored to your needs. Our goal is to help you find the right coverage, avoid costly mistakes, and give you the peace of mind you deserve.
Starting Medicare is an exciting milestone, but it also comes with important decisions. Original Medicare (Part A and Part B) covers hospital and medical services, but it doesn’t cover everything — like prescriptions, dental, vision, and out-of-pocket expenses. That’s where additional plans come in.
You’ll want to carefully consider when and how to enroll, which plan options fit your lifestyle and health needs, and how to avoid late enrollment penalties. We can guide you through the basics and help you feel confident every step of the way.
New to Medicare?
Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans bundle your Medicare Part A and Part B coverage — often with added benefits. It’s important to understand how each plan fits your healthcare needs and budget.
Medicare Supplement plans help cover the “gaps” in Original Medicare, such as deductibles, copayments, and coinsurance. These plans give you flexibility to see any doctor or hospital that accepts Medicare, with fewer out-of-pocket costs.
Part D plans are stand-alone prescription drug plans that work alongside Original Medicare or a Medicare Supplement. Every Part D plan has its own list of covered drugs (formulary), copays, and pharmacy networks. It pays to review your Part D coverage every year.
Choosing a Medicare plan isn’t just about finding the lowest premium — it’s about finding the right balance of coverage, cost, and convenience for your unique situation. Working with a knowledgeable, independent agent ensures you have someone on your side who can:
• Explain your options clearly
• Compare multiple companies and plans
• Help you avoid common pitfalls and penalties
• Provide ongoing support year after year as your needs change
We take the time to get to know you, understand your priorities, and help you make the best possible decision — not just for today, but for the years ahead.
