Health Insurance & Medicare, Made Easy to Understand
Whether you're turning 65 or just need coverage that fits your budget, I'll walk you through real options from top-rated carriers — no cost to you, no pressure.
Explore Your Health & Medicare Options
I work with a wide range of top-rated carriers so I can compare real plans side by side — not just push one company's product.
Medicare Advantage
Bundled hospital, medical, and often drug coverage — many plans include extra benefits like dental and vision.
Medicare Supplement
Fills the gaps in Original Medicare — copays and coinsurance — with more flexibility on which doctors you see.
Part D Prescription Plans
Stand-alone drug coverage to pair with Original Medicare or a Medicare Supplement plan.
ACA Marketplace Plans
Individual and family health coverage for anyone without an employer plan — I'll check your subsidy eligibility too.
Self-Employed Coverage
Health plan options built for freelancers, small business owners, and 1099 contractors.
Plan Reviews
Already have coverage? I'll review it each year to make sure it's still your best fit at the best price.
Short-Term & Gap Coverage
Temporary protection to bridge you between jobs or other coverage.
Eligibility & Enrollment Help
Not sure what you qualify for or when you can enroll? I'll sort it out with you, step by step.
Medicare Runs on a Calendar
Missing a window can mean waiting months to enroll — or paying a penalty. Here's what to keep an eye on.
Initial Enrollment Period
Begins 3 months before your 65th birthday month and runs 3 months after.
Medicare Advantage Open Enrollment
One chance to switch Medicare Advantage plans or return to Original Medicare.
Annual Enrollment Period
The main annual window to change Medicare Advantage or Part D plans.
Special Enrollment Period
Triggered by a qualifying event — a move, job change, or loss of other coverage.
Not sure which window applies to you? That's exactly what our conversation is for.
Health Insurance & Medicare Basics
Does it cost anything to work with you?
No. Premiums are set by the carrier or the government either way — working with me doesn't add to your cost, and I can often help you find savings you'd miss shopping alone.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage bundles your coverage into one plan, usually through a network, often with extra benefits. Medicare Supplement works alongside Original Medicare to cover out-of-pocket costs, with more flexibility on providers. Which fits depends on your health needs and how you like to receive care.
I'm turning 65 soon — when should I start this process?
Ideally a few months before your Initial Enrollment Period opens, which begins 3 months before your birthday month. Starting early avoids a deadline crunch and possible late-enrollment penalties.
I don't have coverage through an employer — what are my options?
You likely qualify for an ACA Marketplace plan, and depending on your income, may qualify for a subsidy that lowers your monthly premium. I can check your eligibility and walk you through plans.
Can I switch plans if my situation changes mid-year?
Sometimes. Qualifying life events — losing a job, moving, marriage, losing other coverage — can open a Special Enrollment Period outside the normal windows.
Have more questions?
We are happy to answer any questions you might have. Get in touch below.
Book Your Free Consultation
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Ready to Compare Your Options?
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