Medicare has more moving parts than it should: Parts A, B, C, D, Supplements, star ratings, enrollment windows. We sort through all of it with you, compare real options across top-rated carriers, and help you land on a plan that actually fits your doctors, medications, and budget. At no cost to you.
Once you have Original Medicare (Parts A and B), you choose one of two ways to fill the gaps it leaves.
A private-plan alternative to Original Medicare that typically bundles medical, hospital, and often prescription drug coverage into one plan, frequently with extras like dental, vision, hearing, or a fitness benefit. Usually a low or $0 monthly premium, with a network of doctors and copays for visits.
A Medigap policy pairs with Original Medicare to cover most of the out-of-pocket costs Medicare leaves behind (deductibles, coinsurance), so you see almost no bill at the doctor. You'd add a separate Part D plan for prescriptions. Usually a higher monthly premium, but very few surprises, and you can see any doctor who accepts Medicare nationwide.
Neither option is automatically "better," it comes down to your doctors, your medications, your budget, and how much you travel. This is exactly what a free comparison is for.
Medicare runs on set windows. Missing one can mean waiting almost a year, or paying a lifelong penalty.
Starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. This is your first chance to enroll, and it's a good idea to start the conversation early.
Every fall, anyone on Medicare can switch Medicare Advantage plans, switch Part D plans, or move between Original Medicare and Medicare Advantage. Changes take effect January 1.
If you're already on a Medicare Advantage plan, you get one more chance to switch to a different Medicare Advantage plan or move back to Original Medicare.
Certain life events, like moving, losing employer coverage, or a plan leaving your area, open a window to make changes outside the usual dates.
A plan can look great on price and still cost you hundreds more a year if your specific medications aren't on its formulary.
Premiums, drug formularies, and networks can all change year to year. A plan that fit perfectly in 2025 might not in 2026.
Missing your Initial Enrollment Period can mean a lifelong late-enrollment penalty on Part B or Part D. Starting the conversation early avoids that entirely.
We talk through your doctors, medications, and budget, so we know exactly what to compare on your behalf.
As an independent agency, we compare plans across multiple top-rated carriers, not just one company's lineup.
We help you enroll, then reach back out most years during AEP to make sure your plan still fits before anything changes.
A free consultation is the easiest way to find out what fits.
