Whether you are turning 65 soon, helping a parent compare plans, or re evaluating coverage you already have, we walk through the options carrier by carrier and help you pick the one that genuinely fits your doctors, your prescriptions, and your budget.
Federal coverage for hospital stays through Part A and doctor visits through Part B. It covers most of the basics, and you typically pay 20 percent coinsurance out of pocket for services.
Bundled plans from private carriers that include Parts A and B, usually Part D for prescriptions, and often extras like dental, vision, hearing, and even gym memberships.
Stand alone prescription drug coverage, or already bundled inside an Advantage plan. Costs and covered medications vary widely between plans, so we compare the formularies for the medications you actually take.
A 20 minute conversation to understand your health history, the medications you take, and what feels manageable on your budget. There is no commitment and no pressure.
We shop multiple top rated carriers, including Humana, Aetna, Cigna, BCBS, and UnitedHealthcare, and bring you the matches that genuinely fit your situation.
We enroll you, confirm your coverage starts on time, and stay available year round for questions, life changes, and your annual re evaluation.
Three different ways to structure your Medicare coverage. Each one fits a different lifestyle, budget, and health profile, and we help you decide which is right for you.
Parts A & B — federal program
Part C — private carrier plans
Medigap — fills Original’s gaps
Federal coverage for hospital stays through Part A and doctor visits through Part B. It covers most of the basics, and you typically pay 20 percent coinsurance out of pocket for services.
Bundled plans from private carriers that include Parts A and B, usually Part D for prescriptions, and often extras like dental, vision, hearing, and even gym memberships.
Stand alone prescription drug coverage, or already bundled inside an Advantage plan. Costs and covered medications vary widely between plans, so we compare the formularies for the medications you actually take.
Your Initial Enrollment Period starts three months before your 65th birthday and ends three months after. Outside of that window, the Annual Enrollment Period runs October 15 through December 7 each year for switching plans.
Our help is always free to you. Carriers pay us a standard commission when you enroll, the same amount whether you go through us or call them directly, so you get expert guidance at no additional cost.
It depends on the plan you choose. Original Medicare and Supplement plans let you see any provider that accepts Medicare. Advantage plans have networks, so we always check your specific doctors against the plan's provider list before you enroll.
During the Annual Enrollment Period from October 15 through December 7, you can switch Advantage or Part D plans for the following year. We also help with Special Enrollment Periods if you have moved, lost other coverage, or had a qualifying life change.
Medigap fills the gaps left by Original Medicare, covering some or all of the 20 percent coinsurance plus a few other costs Original does not. There are several standardized plan types, and we walk you through which one fits your situation.
When you call, you reach a licensed agent who already knows your file and has the time to help, the same business day, every time.