Original Medicare
Part A covers hospital stays and Part B covers doctor visits. You can see any provider that takes Medicare.
More on Parts A and B
Medicare help, person to person
Medicare Sorted Around Your Own Care
Bring your doctors, pills and budget. I help you see how each Medicare path treats them, and the choice stays yours.
The three main ways to set up Medicare
Medicare Advantage
Private plans that combine Parts A and B, often with drug coverage. Most use networks and cap yearly costs.
More on Advantage plansMedicare Supplement
Also known as Medigap, it helps pay what Parts A and B leave behind, like coinsurance and some deductibles.
More on Medigap letters
Where I start
Your Care Comes First, the Brochures Come Later
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Your routine sets the list
Before any plan comes up, I note your doctors, the drugs you take and the care you expect, so every option gets weighed against your daily life.
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All paths get equal weight
Original Medicare, Advantage and Medigap all have trade-offs. You see them side by side, and you get to ask about any of it before you pick one.
What I handle for you
Medicare Services I Take Care Of
Plan Comparison
Advantage plans, Medigap policies and drug plans set side by side, each one judged against the doctors and pills you have now.
More on plan comparisonEnrollment Support
Help getting signed up for Parts A, B and D in the right order, so a missed step does not turn into a penalty you keep paying.
More on enrollingCoverage Reviews
A fresh look at the plan you hold now, checking whether it still covers your doctors, your pharmacy and the care you use most.
More on plan reviews
Messages I have kept
What People Said Once It Made Sense
Questions people send me
Medicare Questions I Hear the Most
Medicare Advantage is a private plan you get in place of Original Medicare, often with a network of doctors. Medigap sits next to Original Medicare and helps pay the costs it leaves you.
It depends on the plan. HMO plans usually keep you in network, while PPO plans let you go outside it for a higher cost. I check the doctors you see against each plan before you pick one.
Going without creditable drug coverage can mean a late penalty that stays as long as you have Part D. A cheap plan now can spare you that extra charge later, even with a short pill list.
Mostly no. Original Medicare leaves out routine dental care, eye exams for glasses and hearing aids. Many Advantage plans cover some of these, so it is worth checking what each includes.
No. I lay out how each option fits your doctors, prescriptions and budget, point out the trade-offs, and leave the final choice with you. You can ask as many questions as you like first.
Where to begin
Start Your Medicare Review With Me
Sign up, send your doctors and prescriptions, and I will show you where each option lands.