Turning 65 in the next year
Start with the enrollment timeline so you don't miss your 7-month window. Then compare Medigap vs. Medicare Advantage side-by-side.
ServicesMedicare
Medicare, made simple.
Independent guidance on Medigap, Medicare Advantage, and Part D — with a real annual review every year, not a one-time sale.
What's included
The pieces I put together for Medicare clients — pick and choose based on your situation.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover most or all of your out-of-pocket costs. Any doctor that accepts Medicare, nationwide. Plan G and Plan N are the most popular today.
Read the full guide →Medicare Advantage (Part C)
A private plan that replaces Original Medicare, usually with $0 premium, network rules, and extras like dental, vision, and OTC. Great fit for some — a trap for others. I'll help you tell the difference.
Read the full guide →Prescription Drug Plans (Part D)
Standalone drug coverage for Original Medicare + Medigap clients. I check your actual prescriptions against every plan's formulary — not the marketing brochure.
Read the full guide →Annual Plan Review (Oct 15 – Dec 7)
Every year during the Annual Election Period, I re-run your prescriptions and doctors against the coming year's plans. If nothing beats what you have, I'll say so.
Read the full guide →Where are you right now?
Still working past 65 on employer coverage
Whether you enroll now depends on employer size, HSA contributions, and creditable drug coverage. Read the plain-English guide before you decide.
Already on Medicare — is my plan still right?
Book a no-pressure annual review during AEP (Oct 15 – Dec 7). I'll re-shop your drug plan and check your Medigap rate against the market.
Common questions
When can I enroll in Medicare?
Your Initial Enrollment Period is 7 months: the 3 months before your 65th birthday, your birthday month, and the 3 months after. If you're still working with credible employer coverage, you may qualify for a Special Enrollment Period later.
What does Original Medicare not cover?
Most dental, vision, hearing, long-term care, and outpatient prescriptions — that's why most people add Medigap + Part D, or choose Medicare Advantage.
Will I lose my doctor?
With a Medigap plan, you can see any doctor that accepts Medicare, nationwide. With Medicare Advantage, you're limited to the plan's network — so we check every doctor before you enroll.
How much does Medicare cost?
In 2026, Part B is $185/month for most people (more if your income is high — that's IRMAA). Medigap and Part D add monthly premiums on top. I'll run the math for your situation.
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.