Medicare is a series of choices, not a single product. We walk through each part of the program so you understand what you're signing up for, what it covers, and what it costs — before you decide.
Bundled plans that combine hospital, medical, and often prescription drug coverage through private carriers. Networks, premiums, and benefits vary by plan and area.
Standardized plans designed to help cover out-of-pocket costs that Original Medicare leaves behind — deductibles, coinsurance, and copayments — with broad provider access.
Part D coverage for prescription medications. We review formularies, pharmacy networks, and out-of-pocket costs so the plan fits the medications you actually take.
Every conversation starts with your situation — your doctors, your medications, your budget — not with a product.
We learn what matters to you: the doctors you want to keep, the prescriptions you take, the travel you have planned, and what you can comfortably spend.
We walk through how Medicare Advantage, Medicare Supplement, and Part D plans each work — in plain language — so you can weigh the trade-offs yourself.
When you're ready, we help you enroll in the plan you choose and stay available year-round. Plans and needs change; we review your coverage when they do.
When you can enroll or make changes depends on your situation. These are the windows most people work within.
Your Initial Enrollment Period spans seven months — the three months before your 65th birthday month, your birthday month, and the three months after. Enrolling on time helps you avoid late-enrollment penalties.
October 15 – December 7 each year. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for coverage starting January 1.
Certain life events — moving, losing employer coverage, and others — may qualify you to make changes outside the standard windows. Eligibility rules apply.
We'll meet in person, over the phone, or by video — whichever fits your schedule — and walk through your Medicare options together.
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