Your Questions, Answered

  • Medicare is a federal health insurance program for people 65 and older, certain younger people with disabilities, and those with End-Stage Renal Disease. It helps cover hospital, medical, and prescription drug costs.

    • Part A: Hospital insurance

    • Part B: Medical insurance

    • Part C (Medicare Advantage): Combines Part A & B, often with extra benefits

    • Part D: Prescription drug coverage

  • Your Initial Enrollment Period begins three months before you turn 65 and ends three months after your birthday month. There are also Special Enrollment Periods for certain situations.

  • Some people choose Medicare Supplement (Medigap) plans to help cover costs not paid by Original Medicare. Supplemental insurance is optional.

  • Medicare may include premiums, deductibles, and copayments. The costs vary depending on the plan you choose.

  • Choosing a plan depends on your healthcare needs, budget, and prescription medications. Our licensed agents can help you compare options without selling you unnecessary coverage.

  • Visit Medicare.gov or call 1-800-MEDICARE for official guidance.

  • No. Our services are free for you. We are licensed agents, and insurance companies pay our commissions when you enroll in a plan.

  • Yes. We can review your current coverage, answer questions, and help you make changes during enrollment periods if needed.

  • We work with multiple reputable insurance carriers so you can compare options and find a plan that fits your needs.