Medicare guidance that starts with your situation.
Turning 65, retiring after 65, or reviewing coverage you already have? I’ll help you understand the decisions ahead and compare options around your doctors, prescriptions, and budget.
Turning 65 soon?
Reach out a few months before your 65th birthday. I’ll help you understand when to enroll, what Medicare covers, and which decisions you need to make.
Your first chance to sign up is a 7-month window around your birthday. Pick your birthday month to see yours.
Your window: March – September
If your birthday falls on the 1st, your window starts one month earlier. Signing up in the months before your birthday generally avoids a gap in coverage.
Still working or getting ready to retire?
Your employer coverage can affect your next steps. We’ll look at what you have now and how a transition to Medicare may work for you, so you avoid gaps and late-enrollment penalties.
The parts of Medicare, made easier to follow.
Part A
HospitalGenerally covers inpatient hospital stays, skilled nursing care, hospice, and some home health care.
Part B
MedicalGenerally covers doctor visits, outpatient care, preventive services, and some medical equipment.
Part C
Medicare AdvantageAnother way to get Part A and B benefits through a private plan, often with drug coverage included.
Part D
PrescriptionsHelps cover the cost of prescription drugs through a private plan.
Exact costs and coverage vary by plan and situation.
Two common ways to build coverage.
Neither is right for everyone. We’ll discuss the tradeoffs, what’s available where you live, your doctors, and the costs that apply to you.
Original Medicare + Supplement
- Parts A and B from the government, plus a Medicare Supplement (Medigap) plan
- The Supplement helps with costs like deductibles and coinsurance
- A separate Part D plan covers prescriptions
- See any provider nationwide who accepts Medicare
Medicare Advantage (Part C)
- One private plan that includes Part A and B benefits
- Many plans include prescription coverage and extras like dental or vision
- Usually uses a network of doctors and hospitals
- You pay copays as you use care, up to a yearly limit
When you can make changes.
Review your coverage and make changes for the coming year, including switching plans or drug coverage.
If you’re in a Medicare Advantage plan, you can make one change — to another plan or back to Original Medicare.
Moving, losing other coverage, or certain other events may let you change plans outside the usual windows.
We can review it.
Plans and needs can change. I can help check your current doctors, prescriptions, and costs, and walk through your options.
When should I start?
A few months before your 65th birthday is a good time. That gives us room to look at your options before your enrollment window opens.
What if I still work?
It depends on your employer coverage. We’ll look at what you have now and when moving to Medicare makes sense, so you avoid gaps or penalties.
Can I keep my doctors and medications?
It depends on the coverage you choose. I’ll check your doctors and prescriptions against each option before you decide.