Serving the Midwest
Medicare Plans in the Midwest
Medicare is confusing on purpose. I break down Advantage, Medigap, and Part D so you can pick coverage that actually fits your doctors, prescriptions, and budget.
Who this is for
- Turning 65 in the next 6 months
- Comparing Medicare Advantage vs. Medigap
- Currently enrolled and want a second opinion
- Helping a parent or spouse navigate Medicare
What's covered
Medicare Advantage (Part C)
Private bundled plans that often include Part D and extras like dental, vision, and OTC allowances.
Medicare Supplement (Medigap)
Standardized plans that fill the gaps in Original Medicare - no networks, works with any doctor that accepts Medicare.
Part D Prescription Drug Plans
Stand-alone drug coverage matched to your actual medications and preferred pharmacy.
Turning 65 planning
Timing for Part A and Part B, avoiding late-enrollment penalties, and coordinating with employer coverage.
How I help
- 1Check your doctors, hospitals, and prescriptions against every plan we consider.
- 2Compare total cost - premium, deductible, copays, and out-of-pocket max - not just the sticker price.
- 3Handle the enrollment paperwork and confirm your effective date.
- 4Stay your agent year after year for renewals and life-event changes.
Frequently asked questions
What are the main types of Medicare coverage?
Original Medicare (Part A hospital + Part B medical), Medicare Advantage (Part C, a private bundled alternative), Medigap (Supplement plans that fill Original Medicare's gaps), and Part D (prescription drug coverage). I help you understand how they fit together.
Do I have to pay you to help me pick a plan?
No. Your premium is the same whether you enroll on your own or through a licensed broker. Carriers pay agents when you enroll, so my help is free to you.
When can I enroll or change plans?
Initial Enrollment Period around your 65th birthday, Annual Enrollment Oct 15 - Dec 7, Medicare Advantage Open Enrollment Jan 1 - Mar 31, plus Special Enrollment Periods triggered by life events.
What if I already have a plan I don't love?
We'll review your current coverage against your doctors, prescriptions, and budget, and compare options across carriers. If a better fit exists, I'll handle the switch.