Original Medicare
Part A helps with hospital stays and Part B with doctor visits. You can see any provider who accepts Medicare.
Start With Your Care. Then Choose Your Medicare.
Your doctors, your prescriptions and your yearly costs all depend on the coverage you pick. Before you enroll in Medicare, I go through each one with you.
Turning 65 Soon
Your first window opens three months ahead of turning 65.
Leaving a Job Plan
Ending job coverage opens a special window for enrolling.
Already on Medicare
Plans change each year, so check if yours still fits you.
The details behind your coverage
Every Medicare Choice Touches a Doctor Visit, a Refill or a Bill
That is why my first question is about your care, not a plan brochure. Tell me which doctors you want to keep and which medicines you take.
From there, I show you how each Medicare option would handle them and what a typical year might cost. You decide when you are ready.
Each Part of Medicare Covers a Different Piece of Your Care
Medicare is not one single plan. It comes in parts, and those parts can be put together in more than one way. Here is what each of them does, so you can tell which pieces you already have and which ones you may still want to add.
Medicare Advantage
Part C plans from private insurers combine Parts A and B, often with drug coverage, inside a provider network.
Medicare Supplement
Also known as Medigap, it sits beside Original Medicare and helps pay some of your deductible and coinsurance.
Prescription Drug Plans
Part D helps pay for your medicines. Every plan keeps its own drug list, so yours should be looked up by name.
Your Doctors, Looked Up
Send me the names of your doctors and clinics, and I check every plan's network before you choose.
Refills Checked by Name
Tell me what you take, and I match each medicine to the plan's drug list and the pharmacy's price.
A Full Year of Costs
Premiums, deductibles and copays get added together, so you see a likely total for the whole year.
Deadlines Pointed Out
You hear from me about which enrollment window applies to you and when it closes, well in advance.
Your Medicare Review Starts When You Sign Up
Create your account, add your doctors and prescriptions, and I will lay out the Medicare options that suit them, well ahead of your enrollment deadline.
Asked before enrolling
Medicare Questions Worth Settling Early
Your first window lasts seven months: three months before the month you turn 65, that month and three months after.
Often, you can delay Part B without a penalty, but it depends on your employer's size, so ask me before you decide.
Advantage replaces the way you get Parts A and B, usually in a network, while Medigap adds on to Original Medicare.
Mostly no. That is why many people add a Part D plan or pick a Medicare Advantage plan that already includes drugs.
Yes. From October 15 to December 7 every year, you can switch Medicare Advantage or Part D plans for the next year.
A list of your doctors, your medicines with their doses and your Medicare card, if you already have one, is enough.