Medicare Insurance

Medicare can feel like a maze of letters, deadlines, and fine print. My job is to slow everything down and walk you through it, one page at a time, so you feel safe and confident when you enroll.

I start with Medicare enrollment assistance. I help you understand when you can sign up, which forms you actually need, and how your current coverage - through an employer, union, or individual plan - fits into all of this. I stay with you from start to finish so your application is done correctly and your coverage starts when you expect.

Once you are set to enroll, I move into a full Medicare plan comparison. In simple language, I explain the difference between staying on Original Medicare and choosing a Medicare Advantage Plan. I look at your doctors, hospitals, prescriptions, and budget and compare options side by side, so you can clearly see what each plan will cost you during the year.

If you stay with Original Medicare, I help you look at Medicare Supplement Plans (Medigap) that can help pay for gaps like copays and deductibles. I explain the letters (Plan G, Plan N, and so on) in normal words, not insurance talk, so you understand what you are getting.

I also review Medicare Prescription Drug Plans to help you find drug coverage that makes sense for the medications you actually take. I pay special attention to your pharmacy preferences and any high-cost drugs.

Every consultation is personal and unhurried. I answer every question, as many times as needed, until you feel clear. My goal is simple: help you choose Medicare coverage that protects your health and your wallet, without the stress and confusion.