Medicare Advantage is a bundled private plan that replaces Original Medicare. Supplement plans work alongside Original Medicare to cover out-of-pocket costs. Advantage plans may offer extra benefits, but have more rules (like provider networks). Supplements offer more freedom but don’t include drug coverage. We’ll help you decide which suits your needs.
Medicare doesn’t cover things like routine dental, vision, hearing aids, long-term care, or most over-the-counter meds. That’s why we help you plan ahead and consider supplemental coverage when needed.
You could face penalties and delays. If you’re turning 65 or leaving employer coverage soon, it’s important to get the timing right. Reach out—we’ll make sure you don’t miss key dates.
Drugs are grouped into tiers based on cost. Generic meds are usually in lower tiers (lower cost), while brand-name or specialty drugs are in higher tiers. We’ll review your medications and help match you to a plan that covers them affordably.
Yes—during Annual Enrollment (Oct 15–Dec 7), or if you qualify for a Special Enrollment Period. We’ll help you understand when and how to make changes without gaps in coverage.
Still have questions? Send us a quick message and we’ll answer personally.