Medicare A - B - C - D

Part A: Hospital, which helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.  This coverage is free for most Americans.

Part B: Medical, which helps covers services from doctors and other health care providers, outpatient care, home health care, durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment), and many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits).  Most Americans pay a premium for this coverage. 

Part C: Medicare Advantage Plans

Part D: Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare & Medigap Plan, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare (Part C Above). 

Medicare Supplements (Medigap): Original Medicare Part's A & B pay first and the Medigap plan of your choice fills the gaps accordingly.

When you turn 65 and take social security, you will automatically be enrolled into Part's A and B.  Your Medicare card typically comes 3 months before your 65th birthday month. 

If you're not taking social security income yet, you will need to sign up for Part's A and B.  You should do this 3 months before your actual 65th birthday month to avoid any complications that you could encounter.   Use the Medicare Part B Sign Up button below to get started. Example: If your birthday is 4/5, you should sign up in January. Your effective date will be 4/1. 

A common myth, you MUST take Medicare at 65. If you're still working and you have creditable group coverage (typically defined by 20 or more employees on a group plan), you can delay enrollment into Part A & B without any penalty. There is no reason to delay Part A (free) and it will be retroactive up to 6 months when you do sign up for it, unless you want to maintain an HSA.  If you would like to maintain an HSA, you need to stop contibuting to the HSA 6 months prior to enrolling in Part A, because Part A is always retroaactive 6 months. 

Part B has a premium for most Americans, and it's required to get a Medicare Plan from an insurance company. Late enrollment can result in a Part B & D penalty.  In addition, you may have an income related monthly adjustment. 

If you feel your situation is unique, and there are many, please feel free to reach out using contact below or going to the home page and setting up an appointment. 

Medicare is a government program and has strict rules and regulations for permission to contact.  Medicare regulations require most calls, appointments, and contacts to be recorded and documented.

Medicare is complicated and it's my goal to simplify it for you. The easiest way is filling out the needs assessment form which gives me permission to contact you. I will send a follow up email to gather all the pertinent information that goes into a Medicare Supplement, Advantage or Prescription Drug Plan. We then find a plan that best suits your risk appetite. 

Medicare Required Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

As an independent agent, I represent approximately 20 insurance carriers. It varies by product and state. If you would like to know if I represent a particular carrier, please reach out using the contact form below.  In addition, I share a few helpful articles (at least I think so) regarding Medicare and other health insurance related subjects. 

I seek to appoint with A rated companies or better with a strong stability history. Companies enter markets and often don't last long. I try to prevent the need to switch plans or be stuck with a carrier that drops out of the market, yet continues to service the product. This adversely affects plans and causes higher rates.

I currently hold a license in 20 states, subject to change.  Arizona, Arkansas, California (License: 4365645), Colorado, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, Nevada, Ohio (Resident License), Oregon, Pennsylvania, South Carolina, Tennessee, Texas & Virginia.  My National Producer Number is #3772700.