Medicare, put in plain words

Know Exactly What Your Medicare Covers

Parts A and B, Advantage plans, Supplement policies, drug coverage. I walk you through each piece in plain words.

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Where to begin

What Medicare Covers and Where the Gaps Sit

Original Medicare pays for hospital stays and doctor visits, yet deductibles, coinsurance and most prescriptions still land on you. I show you exactly where those gaps fall, because once you can see them the next choice stops feeling like a guess.

Part A: Hospital

Inpatient stays, skilled nursing, hospice, and home health.

Part B: Medical

Doctor visits, outpatient care, lab work, and medical gear.

Start with the basics
A smiling older couple standing together outside
A card marked Medicare resting on a notebook beside a stethoscope
Ways to add coverage

Three Paths Beyond Original Medicare

An older couple stretching together in their living room

Medicare Advantage (Part C)

One private plan bundles Part A and Part B, and most fold in drug cover plus dental or vision extras.

Compare Advantage plans
A nurse going over paperwork at home with an older couple

Medicare Supplement (Medigap)

A lettered policy sits beside Original Medicare and picks up the coinsurance it leaves on your plate.

See Supplement letters
An older man checking a pill bottle against a tablet screen at home

Part D Prescription Coverage

A standalone drug plan carries its own covered list, so match that to the pills you swallow each day.

Check drug coverage

Ready to get started? Tell me what you take and who you see, and I will map your options.

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In their own words

What People Say Once the Choice Is Made

I turned 65 with no clue where to begin. The parts got laid out side by side, then came a question about what my week actually looks like. No pressure, no rush, just plain talk until it all clicked.

Winnie T.

New to Part B

My old plan quietly dropped the clinic I had used for years. That got caught in time, two swaps kept my doctor, and the paperwork was handled. On my own I would have missed it and paid for the slip.

Alonzo P.

Switched to a Supplement

Three of my prescriptions sat in a bad tier and I had no idea at all. Each one got checked against the covered lists, a better plan turned up, and my monthly cost fell. Worth every minute I gave it.

Elspeth V.

Shopping Part D
Good to know

Questions I Hear Most

Your Initial Enrollment Period runs seven months around your 65th birthday. Miss Part B in that window without other coverage and a late penalty can ride on your premium for good, so mark the dates on a calendar.

Not on its own. Original Medicare skips most prescriptions, so a Part D plan or an Advantage plan with drug cover fills that hole. I check your pill list against a plan's covered list before you sign on the line.

Yes, though timing rules the day. The Annual Enrollment Period runs October 15 through December 7, and certain life events open a Special Enrollment Period. Outside those windows your hands are tied pretty tight.

Advantage bundles it all onto one card with copays and a fixed network. A Supplement rides beside Original Medicare, costs more each month, and leaves far fewer bills after a visit. Neither one wins for everyone.

Nothing at all. I am paid by the plan you land on, not by you, and a plan costs the same whether you sign up alone or sit down with me ahead of time. Ask me anything you want before you settle on a route forward.