Plan Comparisons
I line up the Medicare Advantage and Original Medicare paths side by side, so you see what each one asks of you before you choose.
- Premiums
- Deductibles
- Visit costs
My Medicare Services
From your first plan comparison to your yearly review, here is everything I can help you sort out.
What I do
Ways I Help You Choose Coverage
Each service is shaped around your doctors, your prescriptions and the budget you are working with, so the plans I bring up actually fit your life.
Doctor Network Checks
Before you commit, I confirm that your primary doctor, your specialists and your preferred hospital work with the plan.
Prescription Reviews
I run your medicine list against each drug plan's covered list and pricing tiers, so the pharmacy counter holds no surprises.
Supplement Policy Guidance
If you keep Original Medicare, I explain how supplement policies pick up the costs it leaves behind and which type suits your budget.
- Copays
- Coinsurance
- Travel coverage
Annual Plan Reviews
Plans change their prices and drug lists every autumn. I compare yours against the new options so you can stay or switch with confidence.
- Price changes
- Drug list updates
- Network changes
Enrollment Support
Once you pick a plan, I go through the application with you and double check every entry before it is sent.
Timing
Enrollment Windows I Watch For You
Missing a window can mean waiting a long while for your next chance. I keep track of the ones that apply to you.
Your First Sign Up Window
A window opens around the birthday that makes you eligible. Joining on time helps you avoid late penalties that can stay with you.
Fall Open Enrollment
Each autumn you can switch plans, move to an Advantage plan or change drug coverage. I review your options before that window closes.
Special Situations
Losing work coverage, moving or qualifying for extra help can open a special window. I help you spot it and use it well.
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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.
Ready to see which plans fit your doctors and medicines?
Start Your Medicare Comparison With Me
Set Up Your AccountBefore your review
What to Have Handy for Your Review
Gathering these ahead of time lets me build an accurate comparison on the first pass, with fewer follow up questions later.
- Your red, white and blue Medicare card
- Every prescription with its dose
- Names of your doctors and specialists
- The pharmacy you use most
- Details of any work or retiree coverage
- A monthly budget you feel good about
Plain language
Insurance Terms I Translate for You
- Premium
- The amount you pay each month to keep a plan active, whether you see a doctor or not.
- Deductible
- What you pay out of pocket before a plan starts sharing the cost of your care.
- Copay
- A flat amount you pay for a visit or a prescription, like a set fee at the counter.
- Coinsurance
- Your share of a bill, figured as a portion of the cost instead of a flat amount.
- Network
- The doctors, hospitals and pharmacies a plan has agreed to work with at set prices.
- Formulary
- A plan's list of covered drugs, sorted into tiers that decide what each one costs you.