One advisor for every part of Medicare
From your first enrollment to your yearly plan review, I help you compare the options available in your area and choose coverage that fits your doctors, your prescriptions, and your budget. Consultations are always free.
Coverage I can help you with
Medicare comes in pieces. Here is what each piece does, and how I help you decide which combination is right for you.
Medicare Advantage (Part C)
All-in-one plans from private insurers that cover everything Original Medicare covers, usually include drug coverage, and often add benefits like dental, vision, and hearing.
- We check that your doctors and hospitals are in the plan's network
- We compare out-of-pocket limits, copays, and extra benefits side by side
Medicare Supplement (Medigap)
Plans that work alongside Original Medicare to help pay costs like coinsurance, copays, and certain deductibles, with the freedom to see any provider who accepts Medicare nationwide.
- We compare plan types, including the popular Plan G and Plan N, for your situation
- We time your application to your Medigap Open Enrollment window when possible
Prescription Drug Plans (Part D)
Standalone drug coverage for people on Original Medicare, or built into many Medicare Advantage plans. The right plan depends on the exact medications you take.
- We run your prescription list against local plan formularies
- We help you keep creditable drug coverage so you can avoid a possible late-enrollment penalty
Life Insurance
Protection for the people who depend on you, from final expense coverage to larger policies that safeguard a family's future.
- We match coverage type and amount to your goals and budget
- We review existing policies to confirm they still do what you need
Guidance for your situation
The right Medicare move depends on where you are. These are the four situations I help with most.
Your Initial Enrollment Period is a 7-month window: 3 months before your birthday month, your birthday month, and 3 months after. Enrolling on time helps you avoid coverage gaps and possible late-enrollment penalties.
We map your exact dates, decide between Original Medicare and Medicare Advantage, and set up drug coverage, all before your deadline.
If you or your spouse have active employer group coverage from an employer with 20 or more employees, you may be able to delay parts of Medicare without penalty. But not every employer plan qualifies, and COBRA and retiree coverage do not count.
We verify how your employer plan coordinates with Medicare so you can delay with confidence or enroll on time, whichever protects you.
If you have not started Social Security benefits, you are generally not enrolled in Medicare automatically, even when you turn 65. Many people miss this and face avoidable gaps or penalties.
We make sure your application is filed on time and your premium billing is set up correctly, since it will not come out of a Social Security check.
Premiums, drug formularies, networks, and benefits change every year. The Annual Enrollment Period, October 15 to December 7, is your chance to switch if a better fit exists.
Each fall we review your current plan against what is new in your area. If your plan is still the best fit, I will tell you exactly that.
Not sure which situation is yours?
That is exactly what the free call is for. Tell me where you are, and I will tell you what matters next.