Medicare Advantage

Medicare, without the confusion

Between enrollment periods, plan letters, and shifting provider networks, Medicare can feel like a maze. I review your options with you in plain language, and I recheck your plan every single year — this is the season of life I spend the most time in with my clients, and I take it seriously.

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How it works

One plan, matched to your doctors and your budget

Medicare Advantage (Part C) plans bundle your hospital and medical coverage — often with prescription drug coverage and extra benefits — into a single plan through a private insurer. As an independent broker, I can compare plans across multiple carriers in your area rather than steering you toward just one company.

A side-by-side comparison of every plan available in your area
Confirmation that your current doctors and pharmacies are in-network
A review of prescription drug coverage against your actual medications
A look at extra benefits like dental, vision, and hearing where available

An older couple sitting together at home

Understanding your options

Medicare has a few moving parts — here's how I sort them out for you

Before I recommend anything, I make sure you understand what each piece of Medicare actually does. Here's the plain-language version I walk every client through.

Parts A & B

Original Medicare

Run directly by the federal government. Part A covers hospital stays; Part B covers doctor visits and outpatient care. On its own, Original Medicare typically leaves you responsible for deductibles, copays, and 20% coinsurance with no annual cap — which is exactly the gap I help clients plan around.

Part C

Medicare Advantage

An all-in-one alternative to Original Medicare, run through a private insurer that Medicare approves and regulates. Most Medicare Advantage plans bundle in Part D drug coverage and add extra benefits like dental, vision, hearing, and even fitness programs — often for a $0 monthly premium in many areas.

Part D & Medigap

Other Pieces I Compare

If Original Medicare fits you better, I can pair it with a standalone Part D drug plan and, if you'd like, a Medigap policy to help cover the coinsurance Original Medicare leaves open. I'll show you honestly how this route compares in cost and coverage to a Medicare Advantage plan.

What I do for you

Here's exactly how I support clients in this season of life

Medicare doesn't stop at enrollment, and neither do I. This is what working with me looks like, year after year.

I compare every plan in your area

I pull every Medicare Advantage plan available where you live and narrow it down to the handful that actually make sense for you — not a generic top-three list.

I verify your doctors and pharmacies

Before you enroll, I confirm your current doctors, specialists, and pharmacies are in-network — so there are no surprises at your next appointment.

I check your medications

I run your actual prescription list against each plan's drug formulary and pharmacy network so I can tell you what you'd really pay, not just the sticker premium.

I point out the extra benefits

Dental, vision, hearing, over-the-counter allowances, and fitness programs vary widely by plan — I make sure you know what you're actually getting before you sign anything.

I review your plan every year

Plans, networks, and your own health can all change year to year. Every Annual Enrollment Period, I recheck your coverage and let you know if a better fit has come along.

I'm here after you enroll

If a claim question comes up or your plan letter looks confusing, call me — not a call center. I stay your point of contact for as long as you're my client.

When to talk to me

Key Medicare timelines worth knowing

Missing an enrollment window can mean waiting months for coverage — or paying more for it. A short conversation with me ahead of time avoids both.

7-Month Window

Initial Enrollment Period

Starts 3 months before your 65th birthday month and runs 3 months after. This is your first chance to enroll in Medicare Advantage — I recommend we talk at least 2–3 months before your birthday so nothing gets rushed.

Oct 15 – Dec 7

Annual Enrollment Period

Every year, you can switch Medicare Advantage plans, move between Original Medicare and Medicare Advantage, or change your Part D drug plan. I reach out to my clients ahead of this window every year to review their coverage.

Jan 1 – Mar 31

Medicare Advantage Open Enrollment

If you're already in a Medicare Advantage plan, you get one additional chance early in the year to switch to a different Medicare Advantage plan or move back to Original Medicare.

Varies

Special Enrollment Periods

Triggered by moving to a new address, losing employer coverage, qualifying for Medicaid, or a handful of other life events. If something in your life changes, call me — you may have a window open right now that you don't know about.

Common questions

Medicare Advantage, explained plainly by me

What's the difference between Medicare Advantage and Medigap?

Medicare Advantage bundles your coverage into one plan, often with extra benefits. Medigap works alongside Original Medicare to cover cost-sharing instead. I'll walk through which fits your situation and budget.

Can I switch plans if mine isn't working for me?

Yes — there are specific windows each year to switch, and I review your plan annually so you're not stuck with one that no longer fits.

Will I still have my same doctors?

That depends on the plan's network. Confirming your providers are in-network is one of the first things I check before I recommend a plan.

What extra benefits might I get with Medicare Advantage?

Many plans in our area include dental, vision, and hearing coverage, an allowance for over-the-counter items, and sometimes gym or fitness memberships. Exactly what's included varies by plan and by carrier, which is why I compare them side by side for you.

Is there a cost to talk to you?

No — consultations with me are free, and there's no obligation to enroll in anything.

Medicare, without the confusion

One plan, matched to your doctors and your budget

Medicare has a few moving parts — here's how I sort them out for you

Original Medicare

Medicare Advantage

Other Pieces I Compare

Here's exactly how I support clients in this season of life

I compare every plan in your area

I verify your doctors and pharmacies

I check your medications

I point out the extra benefits

I review your plan every year

I'm here after you enroll

Key Medicare timelines worth knowing

Initial Enrollment Period

Annual Enrollment Period

Medicare Advantage Open Enrollment

Special Enrollment Periods

Medicare Advantage, explained plainly by me

Let's find the right Medicare plan