MEDICARE Made easy

When it comes to Medicare, there’s no shortage of information – but clarity is hard to come by. That’s where I come in. Whether you’re about to turn 65 or have been enrolled for years, I help you cut through the confusion and make confident, informed decisions. With expert, unbiased guidance at no cost to you, I simplify the process and ensure you’re getting the coverage that truly fits your needs. Let me find a Medicare plan that works for you – your health, your priorities, your way!

MEDICARE Made easy

When it comes to Medicare, there’s a wealth of information available. However, finding what you need and understanding your options isn’t always straightforward. This is where my expertise becomes a crucial asset. Whether you’re on the cusp of turning 65 or have been a Medicare beneficiary for years, my guidance is invaluable. And the best part? My services come at no cost to you. Discover how I can make a difference…

WHAT IS MEDICARE

Medicare is federal health insurance for people 65 and older, as well as some younger individuals with disabilities. Original Medicare includes two parts: Part A and Part B. Part A covers hospital stays, skilled nursing care, hospice, and some home health services, and is free for most people. Part B covers doctor visits, outpatient care, preventive services, and medical equipment, with a standard monthly premium of $185 in 2025 for most individuals.

HOW TO ENROLL IN MEDICARE

If you’re receiving Social Security, enrollment is automatic. Your Medicare card arrives about 3 months before your turn 65, coverage starts the first day of your birthday month. If not, apply at: www.ssa.gov/medicare/sign-up, up to 3 months before turning 65. This begins your 7-month Initial Enrollment Period: 3 months before, the month of, and 3 months after your 65th birthday. Missing this window without employer coverage may result in a permanent penalty.

IS MEDICARE ENOUGH?

Medicare alone leaves significant gaps, including deductibles, 20% coinsurance, and no cap on out-of-pocket costs. That’s why it’s important to add either a Medicare Supplement (Medigap) or a Medicare Advantage plan. Both help cover what Medicare doesn’t, offering added protection and peace of mind. The right choice depends on your needs, budget, and lifestyle. (You’ll still pay your Medicare Part B premium with either option.)

Coverage Options

Medicare Supplement (Medigap)

A Medigap plan helps pay for out-of-pocket expenses not covered by Original Medicare.

Key features:

Pays for some or all of Medicare’s deductibles, copays, and coinsurance
Allows you to see any doctor in the U.S. who accepts Medicare
Monthly premium required (varies by plan and location)
No network restrictions or referrals required
Does not include prescription drug coverage (requires separate Part D plan)
Does not include dental, vision, or hearing benefits

Medicare Advantage (Part C)

Medicare Advantage is a private plan that replaces Original Medicare and often bundles additional benefits.

Key features:

Most plans include Part D prescription drug coverage
Often has $0 or low monthly premiums
Has an annual out-of-pocket maximum for added financial protection
Copays and coinsurance apply as you use services
Requires use of a provider network (HMO or PPO)
May offer extra benefits such as dental, vision, hearing

Prescription Drug Plan (Part D)

Part D helps lower the cost of prescription medications and is offered through private insurance companies.

Key features:

Covers all prescriptions on the plan’s formulary, which may vary by plan
Available as a standalone plan with Original Medicare and Medigap
Included in most Medicare Advantage plans
Monthly premium required (varies by plan)
Delaying without other creditable coverage may lead to a permanent penalty

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MEDICARE Made easy

WHAT IS MEDICARE

HOW TO ENROLL IN MEDICARE

IS MEDICARE ENOUGH?

Coverage Options

Medicare Supplement (Medigap)

A Medigap plan helps pay for out-of-pocket expenses not covered by Original Medicare.

Key features:

Medicare Advantage (Part C)

Medicare Advantage is a private plan that replaces Original Medicare and often bundles additional benefits.

Key features:

Prescription Drug Plan (Part D)

Part D helps lower the cost of prescription medications and is offered through private insurance companies.

Key features:

I CAN HELP!