Original Medicare
Part A covers hospital stays and Part B covers doctor visits and outpatient care, with any doctor who accepts Medicare.
- Hospital stays
- Doctor visits
- Outpatient care
Medicare Insurance That Fits the Way You Live
Medicare Advantage, Medigap and Part D plans can look alike on paper. I help you sort out premiums, networks and drug coverage, then enroll in the plan that suits your health and budget.
Explore Plan Options
Medicare Coverage Chosen Around Your Details
I work one on one with people who are new to Medicare or ready to change plans. Before any plan comes up, I look at your doctors, your medicines and the date your coverage must start. Then I lay out what each option would cost and cover, and the final choice stays with you.
Learn More- Doctor Network Checks
- Prescription Cost Reviews
- Enrollment Date Guidance
- Yearly Plan Checkups
Parts A through D
Medicare Plans You Can Choose From
Medicare Advantage
Private insurance plans that bundle Parts A and B, often with drug, dental or vision benefits and a network of doctors.
Medigap Policies
Supplement insurance that works beside Original Medicare and helps pay the deductibles, copays and coinsurance you owe.
Prescription Drug Plans
Drug coverage with its own premium and its own list of covered medicines. I check your prescriptions against each list.
- Covered drugs
- Monthly premium
- Pharmacies
Getting close to a Medicare insurance decision?
Map Out Your Coverage Before You Enroll
Set Up Your Account-
Share Your Details
List your doctors, your medicines and the date your new coverage needs to start.
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Review Plan Options
I go over the Advantage, Medigap and Part D plans offered in your area with you.
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Choose and Enroll
You pick the plan. I walk you through the enrollment form and check each detail.
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Check In Each Year
Plans change every year, so I review yours before the enrollment window arrives.
I was still on my husband's work coverage and had no idea whether waiting on Part B would cost me later. Everything was explained at my pace, and I enrolled in a Medigap plan that fits my budget.
Before you enroll
Medicare Insurance Questions, Answered
Yes. Medicare covers each person on their own, so you and your spouse can enroll in different plans. That often works better when your doctors and medicines are not the same.
You can usually keep it, since Medigap is not tied to a network of doctors. Your premium may change based on your new address, so I check the new rate with you before moving.
Most Advantage plans cover emergency and urgent care when you're away from home. Routine care outside the plan's network may cost more or not be covered, so I check it first.
Yes. Above a set income level, Medicare adds an extra charge to Part B and Part D premiums. That charge uses your tax return from two years earlier, and I include it upfront.
No. Medigap only works with Original Medicare and cannot pay costs inside an Advantage plan. If you are thinking about a switch, I explain what to do with the Medigap policy.
Unless you had other drug coverage that was at least as good, a late penalty can be added to your Part D premium for as long as you keep it. I look at that before you decide.