Medicare is federal health insurance for people 65+, those under 65 with certain disabilities, or with end-stage renal disease. It covers hospital stays (Part A), doctor visits and outpatient care (Part B), plus optional Part C (Medicare Advantage) plans from private insurers and Part D for prescriptions. 

You can enroll in Medicare during your Initial Enrollment Period (7 months around your 65th birthday) or the Annual Enrollment Period (Oct 15–Dec 7). Other windows include Medicare Advantage Open Enrollment (Jan 1–Mar 31) and Special Enrollment Periods for life changes.

You can enroll in Medicare during your Initial Enrollment Period (7 months around your 65th birthday) or the Annual Enrollment Period (Oct 15–Dec 7). Other windows include Medicare Advantage Open Enrollment (Jan 1–Mar 31) and Special Enrollment Periods for life changes.

Original Medicare + Medigap: Yes—if your doctor accepts Medicare (most do), you can keep them nationwide, no network limits.

Medicare Advantage: Maybe—check if they're in the plan's network (use plan tools or call). HMOs/POS are strict; PPOs allow out-of-network at higher cost.Original Medicare + Medigap: Yes—if your doctor accepts Medicare (most do), you can keep them nationwide, no network limits.

Medicare Advantage: Maybe—check if they're in the plan's network (use plan tools or call). HMOs/POS are strict; PPOs allow out-of-network at higher cost. f a client wants to keep their doctor, I always research those plans first.

Original Medicare: No prescription coverage—add a separate Part D plan.

Medigap: Does not cover prescriptions); pair with Part D.

Medicare Advantage: Most plans (MAPD) include Part D coverage, but check the formulary.

I will help my client enroll in a Medicare Prescription Plan, if they decide to enroll into a Medi-Gap Plan.

My services are free to you—insurance companies pay me directly, with rates regulated by the government (same as if you called their agents).

As an independent agent, I’m not tied to one company, so no sales quotas or divided loyalties.

After a consultation with me, Kathleen, there's no pressure—you're not obligated to enroll right away or use me as your agent. I believe education is power, so feel free to explore other resources and take your time deciding.

No. There is no obligation to enroll during your consultation. My goal is to help you understand your options so you can make an informed decision when you're ready and confident in your choice.

My commitment is to you: I provide ongoing support after enrollment, handling issues, billing, or changes as your dedicated advocate. My sole focus remains your best interests.

Healthcare needs can change over time, and Medicare plans can too. My commitment to you, the client, is to provide ongoing support and annual plan reviews to help ensure your coverage continues to fit your needs and keeps you on the right course.