Four parts, a few choices, and a lot of jargon. Here's what each piece actually does, in plain language, so you can walk into any decision knowing what you're looking at.
Medicare is the federal health insurance program for people age 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease. It's built from a few parts that each cover different things. Once you see how the pieces fit, the rest gets a lot less intimidating.
You don't need to memorize these. You just need to know they exist and what each one is for.
Covers inpatient hospital care, skilled nursing facility care, hospice, and some home health services. Most people get Part A premium-free.
Covers doctor visits, outpatient care, preventive services, and some medical equipment. Part B has a monthly premium.
An all-in-one alternative to Original Medicare offered by private companies. Often includes drug coverage and extra benefits, with network rules.
Helps cover the cost of prescription medications through private plans. Which drugs are covered, and at what tier, varies plan to plan.
Your doctors, medications, and priorities. I listen before I say a word about plans.
Real options from multiple carriers, laid out plainly so you see the difference yourself.
Only when it's right for you. We complete a compliant enrollment together, no rush.
Annual reviews and year-round help, because your life and the market both change.
Straight from the source. We can walk through any of these together during your appointment.
Links provided for convenience. We are not affiliated with or endorsed by these companies.
No. I'm paid by the carrier when you enroll in a plan, never by you. You get a licensed local advisor at no cost.
I do not offer every plan available in your area. The information I provide is limited to the plans I do offer. You can always contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Yes. Phone and video appointments are available, or we can meet in person across Hampton Roads, whichever is easier for you.
Then a quick annual review is worth your time. Plans change every year, and so do your doctors and medications. A 20-minute check tells you whether to keep it, move, or hold.
Tell me a little about your situation and I'll reach out personally. No cost, no pressure, just clarity.
No sensitive health info, please. Just enough for me to reach you.