Medicare, made simple.

Turning 65, new to Medicare, or wondering if your plan still fits? I'll explain your options and help you choose with confidence.

Understanding the Parts of Medicare

Part A

Hospital Insurance

Helps cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care.

Part B

Medical Insurance

Helps cover doctor visits, outpatient care, preventive services and medical equipment.

Part C

Medicare Advantage

All-in-one plans from private companies that combine Parts A and B, and often include drug coverage and extra benefits.

Part D

Prescription Drug Plans

Helps cover the cost of prescription medications.

Medicare Supplement (Medigap)

Supplement plans work alongside Original Medicare (Parts A and B) to help pay costs like deductibles, copays and coinsurance. I'll help you compare Supplement and Advantage options to see which fits your health and budget.

Key Dates

Medicare Enrollment Periods

Missing a deadline can mean gaps in coverage or late penalties. Here are the dates to know.

Initial Enrollment Period7 months around your 65th birthday
Starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after.
Annual Enrollment PeriodOctober 15 – December 7
Join, switch or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open EnrollmentJanuary 1 – March 31
If you're in a Medicare Advantage plan, you can switch to another Advantage plan or go back to Original Medicare.
Special Enrollment PeriodsAnytime, with a qualifying event
Moving, losing other coverage, or qualifying for Extra Help may let you make changes outside the usual windows.

Turning 65?

Your Medicare Checklist

Know your dates

Mark your Initial Enrollment Period so you don't miss your window or face late penalties.

List your doctors & prescriptions

We'll use this list to compare plans and make sure your care is covered.

Give permission to contact

Complete the short Permission to Contact form, then we'll compare your options side by side, at no cost to you.