We simplify the complex world of Medicare so you can make informed decisions, avoid costly penalties, and save thousands in retirement.
Helping thousands of retirees save money and gain peace of mind
Medicare has four main parts, each covering different aspects of your healthcare. We break down the complex into easy-to-understand guidance.
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Alternative to Original Medicare that often includes prescription drugs and additional benefits.
Covers prescription medications through private insurance plans approved by Medicare.
Understanding Medicare parts can save you thousands of dollars in retirement healthcare costs.
Every person's Medicare needs are different. Let us help you navigate the options and find the right coverage for your situation.
Medicare costs can be confusing. We break down premiums, deductibles, and out-of-pocket expenses so you know exactly what to expect and how to save.
Part A is usually premium-free. Part B starts at $185/month in 2025. Part D and Medigap premiums vary by plan and location.
Original Medicare has no out-of-pocket maximum, but Medicare Advantage plans cap your annual costs, providing financial protection.
Late enrollment can result in lifetime penalties. We help you enroll on time and avoid unnecessary costs that add up over the years.
With the right guidance, you can significantly reduce your Medicare costs while maintaining excellent coverage.
We analyze dozens of plans to find the best value for your specific needs and budget, potentially saving hundreds annually.
Enroll during the right periods to avoid penalties and access the best rates. Proper timing can save thousands over your lifetime.
Many Medicare Advantage plans include dental, vision, and wellness benefits at no extra cost, providing additional value.
Choosing between Medicare Supplement (Medigap) and Medicare Advantage can be overwhelming. We help you understand the key differences and make the right choice for your situation.
(Medigap)
Covers most gaps in Original Medicare, including deductibles and coinsurance.
See any doctor who accepts Medicare, anywhere in the country.
Fixed monthly premiums with minimal out-of-pocket surprises.
Need separate Part D plan for prescription drugs.
Generally more expensive monthly premiums than Medicare Advantage.
(Part C)
Includes hospital, medical, and often prescription drug coverage in one plan.
Often includes dental, vision, hearing aids, and wellness programs.
Many plans have $0 monthly premium beyond Part B.
Must use plan's network of doctors and hospitals for best coverage.
Copays and coinsurance can vary by service and provider.
Every person's healthcare needs, budget, and preferences are different. Our expert guidance helps you weigh the pros and cons based on your unique situation, ensuring you make the best decision for your retirement years.
We assess your current health and future needs
Compare total costs, not just premiums
Review plans available in your area
Don't let Medicare confusion cost you thousands. Our expert guidance helps you make informed decisions, avoid penalties, and find the perfect coverage for your retirement years.
No cost, no obligation initial review of your situation
Years of experience helping retirees navigate Medicare
Find coverage that saves you thousands over time
Confidence that you've made the right Medicare choices
Clients Successfully Guided Through Medicare
Client Satisfaction
Missing enrollment periods can result in lifetime penalties and gaps in coverage. The sooner you start planning, the more options you'll have and the more money you can save.
Your Initial Enrollment Period starts 3 months before you turn 65
Annual Open Enrollment Period for plan changes
Late enrollment penalties can increase premiums by 10% or more
Answer a few simple questions and get personalized Medicare recommendations tailored to your unique needs, budget, and health situation. Our expert-designed quiz takes just 5 minutes and provides instant, actionable insights.
Recommendations based on your specific situation
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After completing the quiz, schedule a free consultation with our Medicare specialists to review your personalized recommendations and answer any questions.