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Medicare

Medicare guidance for those turning 65 — and beyond.

Medicare Advantage and Part D explained in plain English — with the long-term review that keeps your coverage right every year.

A smiling senior couple enjoying retirement

Medicare basics

Original Medicare — Parts A and B — is the federal program. By itself it covers a lot, but not everything: there's no out-of-pocket maximum, no prescription drug coverage, and no dental, vision, or hearing.

That's where Medicare Advantage (Part C) and Part D prescription drug plans come in. Picking the right combination is a big decision — that's why we walk you through it step-by-step, in the language you're most comfortable in.

The paths we help with

Medicare Advantage (Part C)

A plan from a private carrier that provides your Part A and Part B benefits instead of Original Medicare paying them directly. You stay in the Medicare program. These plans usually include Part D and extras such as dental, vision and hearing, plus an annual out-of-pocket maximum. Networks matter, so we can help you check whether your providers appear in a plan's directory.

Part D — Prescription Drug Plans

Stand-alone drug coverage that pairs with Original Medicare. We can help you compare your medication list against the formulary of each plan available to you, so there are fewer surprises later.

Enrollment windows that matter

Initial Enrollment Period Around your 65th birthday • 7-month window

3 months before, the birthday month, and 3 months after.

Annual Enrollment Period October 15 – December 7

Switch Advantage plans, change Part D, or move to/from Original Medicare.

Medicare Advantage Open Enrollment January 1 – March 31

Switch Advantage plans or drop back to Original Medicare.

What we'll do for you

  • Walk you through Original Medicare, Medicare Advantage and Part D
  • Help you check whether your doctors, specialists and hospitals appear in a plan's network
  • Help you compare your medications against each plan's formulary
  • Review your coverage with you each Annual Enrollment, and help you make a change if you decide to
  • Help with claims questions, ID cards, and authorization issues year-round

Medicare questions, answered

Who we help with Medicare

Wherever you are with Medicare, we meet you there — patiently and in the language you prefer.

People turning 65 for the first time

New to Medicare and not sure where to start. We explain how the parts fit together and what your first decisions are.

People already on Medicare rethinking their plan

Already enrolled and wondering whether your current coverage still fits. We look at it with you and explain your options.

Families helping a parent choose

Helping a parent or loved one make a decision. We walk through it together so everyone understands the choice.

Important Medicare dates

A few enrollment windows shape when you can sign up or make a change. Here are the main ones.

Initial Enrollment

The 7 months around your 65th birthday — the month you turn 65, plus the 3 months before and the 3 months after.

Annual Enrollment

October 15 to December 7 each year. A time to review your coverage and make changes for the year ahead.

Medicare Advantage Open Enrollment

January 1 to March 31 each year, for those already on a Medicare Advantage plan.

How we help

Plain-language guidance, at your pace, with no pressure to decide.

We explain your options in plain English

We walk through Original Medicare, Medicare Advantage and Part D so the differences are clear before you decide.

We check your doctors and medications

We help you compare your doctors and prescriptions against a plan so there are fewer surprises later.

We review your coverage every year

Plans and needs change, so we sit down with you each year to make sure your coverage still fits.

Turning 65? Or rethinking your current plan?

Free consultation, in four languages — no pressure.

Call (954) 825-9923 Free plan review
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