Medicare is a federal health insurance program for people age 65 and older, and for certain individuals with disabilities. In 2025, Medicare includes Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). As a licensed Medicare agent, I help you understand how each part works and which plan fits your specific needs.

Most people enroll when they turn 65 during their Initial Enrollment Period (IEP). If you’re still working and have employer coverage, your enrollment rules may be different. I help clients understand exactly when to enroll to avoid Medicare penalties and prevent gaps in coverage.

It depends on your employer’s insurance plan. Some people benefit from delaying certain Medicare parts, while others should enroll immediately. I provide personalized guidance to help you decide whether to keep your employer’s insurance, or if beginning Medicare may be more a suitable option. Each Medicare receipient should be evaluted independently based on their individual circumstances.

Original Medicare (Parts A & B): Nationwide coverage, no provider network, but doesn’t include dental, vision, or hearing.

Medicare Advantage (Part C): Offered by private insurers, includes everything in A & B plus extra benefits like prescription drugs, vision, dental, hearing, fitness, and more.

As your Medicare agent, I compare plans in your area to help you find the best coverage.

Yes — if you enroll in a Part D plan or choose a Medicare Advantage plan with drug coverage. I help clients compare drug plans based on your exact medications to make sure you’re not overpaying.

Yes. You can switch plans during:

Medicare Annual Enrollment (Oct 15 – Dec 7)

Medicare Advantage Open Enrollment (Jan 1 – Mar 31)

Special Enrollment Periods (for qualifying life events)

I assist clients year-round to ensure they stay in the best plan as their needs change.