Medicare made clear
Whether you are turning 65, retiring, or reviewing your plan during Annual Enrollment, we help you understand every option and choose with confidence. Your agent stays with you through every step: checking that your doctors and prescriptions are covered, completing the application together, and answering questions after you enroll, from ID cards to claims to next year's renewal. All at no cost to you.
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Medicare Advantage (Part C)
All-in-one plans that bundle hospital, medical, and usually drug coverage, often with dental, vision, hearing, and over-the-counter benefits at $0 premium.
Medicare Supplement (Medigap)
Works with Original Medicare to cover deductibles and coinsurance so you can see any doctor nationwide who accepts Medicare.
Prescription Drug Plans (Part D)
Stand-alone drug coverage. We check your exact medications against each plan's formulary to find the lowest yearly cost.
Extra Help & Medicare Savings
Many seniors qualify for programs that lower premiums and copays. We check eligibility and help you apply.
Important enrollment windows
- Initial Enrollment
- 3 months before to 3 months after your 65th birthday month.
- Annual Enrollment
- October 15 – December 7 each year. Change your Advantage or Part D plan.
- Open Enrollment
- January 1 – March 31. One change if you are already on Medicare Advantage.
- Special Enrollment
- After moving, losing coverage, or other qualifying life events.
Frequently asked questions
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) replaces Original Medicare with a private plan that usually includes drug, dental, and vision benefits, often at $0 premium, but uses a provider network. Medigap works alongside Original Medicare, lets you see any doctor who accepts Medicare, and has a monthly premium.
Do I need Part D if I do not take medications?
We usually recommend enrolling when first eligible. If you delay and enroll later, Medicare adds a permanent late-enrollment penalty to your premium. Low-cost plans exist for people who take few or no medications.
Can I keep my current doctors?
Before recommending any plan we check that your doctors, specialists, and hospital are in network and that your prescriptions are on the plan's formulary.