Medicare has four parts: Part A covers hospital care, Part B covers medical and outpatient care, Part C (Medicare Advantage) is an all-in-one alternative offered by private companies, and Part D helps pay for prescription drugs.

Most people enroll during their Initial Enrollment Period, which is the seven-month window surrounding their 65th birthday month.

Medigap works with Original Medicare to help pay out-of-pocket costs like deductibles and copayments, and you can generally see any doctor who accepts Medicare. Medicare Advantage replaces Original Medicare with a private plan that often includes Part D and may offer extra benefits, typically with a local network.

The Annual Enrollment Period runs from October 15 to December 7 each year for changes effective January 1.

You may qualify for a Special Enrollment Period if you have a qualifying event such as moving, losing coverage, or certain other life changes.

No. Our guidance is free to clients. We are compensated by insurance carriers, not by you.

We will review your preferred doctors and help you find plans that include them in-network when available.

We will check your medications against plan formularies to identify cost-effective coverage options.

Moving out of your plan’s service area may qualify you for a Special Enrollment Period, and we can help you switch to a suitable plan in your new location.

Our initial consultation typically takes about an hour, and we respect your time while being thorough.