Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care. Most people get this premium-free if they or their spouse paid Medicare taxes.
Medicare Made Simple
Navigating Medicare doesn’t have to be overwhelming. I’ll walk you through every option and help you find the coverage that fits your doctors, your budget, and your life.
Understanding Medicare
The Four Parts of Medicare
Part B: Medical Insurance
Covers doctor visits, outpatient care, medical supplies, and preventive services. There’s a monthly premium (typically around $185 in 2025), and it requires enrollment.
Part D: Drug Coverage
Standalone prescription drug plans from private insurers. Covers generic and brand-name medications. Can be added to Original Medicare or some Medicare Supplement plans.
Part C: Medicare Advantage
All-in-one plans from private insurers that include Part A, Part B, and usually Part D. Many include dental, vision, hearing, and fitness benefits. $0 premium options available.
Choosing Your Path
Medicare Supplement vs. Medicare Advantage
Two different ways to get more complete coverage. I’ll help you compare both.
Medicare Supplement (Medigap)
- Works with Original Medicare (Part A + Part B)
- Pays gaps like deductibles, copays, and coinsurance
- No network restrictions — see any doctor who accepts Medicare
- Guaranteed renewable — can’t be canceled as long as you pay
- Usually includes Part D drug plan separately
Best for: People who travel, want predictable costs, or see specialists frequently.
Medicare Advantage
- All-in-one plan (Part A + Part B + usually Part D)
- Often includes dental, vision, hearing benefits
- May have $0 monthly premium
- Uses networks (HMO, PPO) for doctors and hospitals
- Annual enrollment: Oct 15 – Dec 7
Best for: People who want extra benefits, lower monthly costs, or prefer one simple plan.
When to Enroll
Key Medicare Enrollment Periods
Initial Enrollment
7-month window around your 65th birthday (3 months before, birthday month, 3 months after). This is when you can enroll without penalties.
Annual Enrollment
October 15 – December 7 each year. Change your Medicare Advantage or Part D drug plan for the upcoming year.
Special Enrollment
Qualifying life events like losing employer coverage, moving, or leaving a plan service area. 8-month window to enroll without penalties.
How I Help
Free Medicare Consultations
I represent multiple carriers so I can find the plan that fits you — not the one that pays me most.
Compare Plans Side-by-Side
I’ll show you all the Medicare Advantage and Supplement options in your area, with real costs, drug coverage, and doctor networks.
Drug Coverage Analysis
Bring your medication list and I’ll find the Part D plan that covers your prescriptions at the lowest out-of-pocket cost.
Doctor Network Check
I’ll verify your doctors are in-network before you enroll, so there are no surprises.
No Pressure, No Cost
My service is free. The insurance carriers pay me — never you. If a plan isn’t a good fit, I’ll tell you.
Ready to Compare Medicare Plans?
Free consultation. No pressure. I’ll explain your options in plain English.