Turning 65 shouldn't feel overwhelming.
Original Medicare, Advantage, Supplement, Part D — the acronyms alone are exhausting. My job is to walk you through your options in plain English, so you can enroll with confidence and avoid costly mistakes.
What you should actually know.
Original Medicare (Parts A & B)
The foundation: hospital coverage (A) and medical coverage (B). It covers a lot, but not everything — and it doesn't cap your out-of-pocket costs. Knowing what it leaves out is where good planning starts.
Medicare Advantage (Part C)
All-in-one plans that bundle medical, and often drug and dental coverage. They can be a great value — but networks, prior authorizations, and yearly changes deserve a careful look before you commit.
Medicare Supplement (Medigap)
Plans that fill the gaps Original Medicare leaves behind — deductibles, coinsurance, and the costs that add up. Pairs with a separate Part D drug plan, and gives you broad freedom to choose your doctors.
Part D Prescription Plans
Drug coverage isn't optional — skip it and you can face lifetime penalties. The right plan depends on your actual medications, so we'll compare plans based on your prescriptions, not generic rankings.
You might benefit from this coverage if...
Not every situation calls for the same policy. If any of these sound familiar, it's worth a conversation.
- You're turning 65 (or within 3 months) and facing your first enrollment.
- You're retiring and leaving employer coverage — and don't want late-enrollment penalties.
- You're still working at 65+ and wondering how employer coverage coordinates with Medicare.
- You're on a plan that changed this year and no longer covers your doctors or medications.
- You've never fully understood what you're paying for — and want that to change.
Myths vs. facts.
"Medicare is free — I don't need to plan for costs."
Part A is premium-free for most people, but Part B has a monthly premium, and deductibles and coinsurance add up. The right supplement or Advantage plan is what keeps costs predictable.
"I can enroll anytime after 65 without consequences."
Miss your Initial Enrollment Period and you can face lifetime late-enrollment penalties — some of which last as long as you have coverage. Timing matters, and I'll help you get it right.
"All Medicare Advantage plans are basically the same."
Networks, drug formularies, dental benefits, and prior-authorization rules vary enormously between plans and counties. Two plans with similar cards can behave very differently when you need care.
"My employer coverage automatically continues when I retire."
Usually it doesn't. Retiring without a plan triggers a Special Enrollment Period — but only for a limited window. We'll coordinate your options before your last day of work.
About 3–6 months before you turn 65, or before you plan to retire. Your Initial Enrollment Period starts 3 months before your 65th birthday month. Starting early means no rushed decisions and no penalties.
Have questions? Just ask.
No commitment. I'll listen first, then bring options that actually make sense.
Not sure where to start?
Let's simply have a conversation.
A 15-minute call to understand your situation. No forms, no pressure, just clarity on what coverage actually makes sense for you.