Because we are independent, our priority is you, not the insurance company. We represent many different Medicare carriers which offer a wide variety of plans and plan options. Our goal is to introduce the most cost-effective plan based on available carriers in your area. We work for you, on your side. Regardless of the need, loss, or complexity.
FINDING THE RIGHT PLAN
TELL US IF YOU’RE TURNING 65 SOON AND WE WILL GUIDE YOU THROUGH THE REQUIRED STEPS OF ENROLLMENT


WHAT’S YOUR SITUATION
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ARE YOU TURNING 65 SOON?
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ARE YOU 65 OR OLDER AND STILL EMPLOYED?
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ARE YOU CURRENTLY IN A PLAN AND NEED A PLAN REVIEW?
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ARE YOU A VETERAN ON VA BENEFITS ONLY?
WHO IS ELIGIBLE FOR MEDICARE
Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. Medicare Part A and Part B are known as “Original Medicare” Parts C and D are voluntary coverages.
WHAT ARE THE PARTS OF MEDICARE
MEDICARE PART A (HOSPITAL INSURANCE)
Helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a hospital stay). Part A also pays for some home health care and hospice care.
MEDICARE PART B (MEDICAL INSURANCE)
Part B helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services
MEDICARE PART C (MEDICARE ADVANTAGE)
Part C includes all the benefits and services a member would receive under original Medicare Parts A and B. Usually the plan includes Medicare Prescription Drug Coverage (Part D). Some plans may even include dental and vision coverage, wellness programs, and personal care management. Medicare Advantage is offered by Medicare-approved private insurance companies and may include extra benefits and services.
PRESCRIPTION DRUG PLAN (MEDICARE PART D)
Medicare Part D, Prescription Drug Plan Coverage, can be purchased as a stand-alone plan or in conjunction with a Medicare Advantage plan (known as MA-PD). Prescription drug plans can help keep out-of-pocket costs lower. Prescription Drug Plan coverage is offered by Medicare-approved private insurance companies.
MEDICARE SUPPLEMENT (MEDIGAP)
Medicare Supplement Plans are designed to protect against the out-of-pocket costs that Medicare Parts A and B do not cover, such as deductibles and coinsurance. Medicare Supplement Plans do not include prescription drug coverage. Prescription drug coverage must be covered under another plan.
ALREADY HAVE COVERAGE THROUGH THE VA?
Not sure what you need? Let us help you eliminate the guess work to make sure your life’s work is protected from the unexpected.
- We can review your current plan or policies to insure they still meet your goals.
- Let us provide a no cost insurance policy and/or plan review to make sure your life’s work is protected from the unexpected.
- We can review any life changing events like weddings, death, college, divorce, new family additions, promotions, or home purchase.