Medicare made simple, from a name you already trust.
Turning 65? Helping a parent? Get straightforward guidance from a licensed agent, enrollment support, and a real person to call all year long — no 1-800 hold music.
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The four parts of Medicare, in plain English
Medicare isn't one thing — it's a menu. Here's what each piece does.
Part A
Hospital insurance
Covers inpatient hospital stays, skilled nursing, hospice, and some home health. Most people get this premium-free at 65.
Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Has a monthly premium.
Part C
Medicare Advantage
An all-in-one alternative from a private carrier. Bundles A, B, usually D, and often dental, vision, and hearing.
Part D
Prescription drugs
Stand-alone prescription coverage from private carriers. Costs vary based on the drugs you take.
Medigap (Medicare Supplement)
Pairs with Original Medicare (A & B) to cover the gaps — deductibles, coinsurance, copays. Use any doctor that accepts Medicare.
Medigap vs. Advantage
Different trade-offs around cost, networks, and flexibility. The right choice depends on your doctors, your meds, and your budget — that's where we come in.
When can you enroll?
Timing matters. Missing a window can mean penalties for life.
INITIAL ENROLLMENT
7 months around your 65th birthday
3 months before, the month of, and 3 months after. Enrolling during this window avoids penalties for most people.
ANNUAL ENROLLMENT
Oct 15 – Dec 7 each year
Switch plans, change Advantage to Original, or add/drop Part D. Coverage starts Jan 1.
SPECIAL ENROLLMENT
Triggered by life events
Losing employer coverage, moving, or other qualifying changes can open a window outside the usual dates.
Start your Medicare review
Choose an agent below. Either agent can help — just pick one to get started.
Sean Buckels
Licensed Insurance Agent
Caroline Johnson
Licensed Insurance Agent
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We do not offer every plan available in your area. Currently, we represent 6 organizations which offer 32 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.