Medicare is divided into four parts - A, B, C, and D. Knowing what each one does (and doesn't) is the first step to choosing coverage that actually fits.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and limited home health services.
Most people pay no premium for Part A if they (or a spouse) paid Medicare taxes for at least 10 years.
Covers doctor visits, outpatient care, preventive services, lab tests, and durable medical equipment.
Part B has a monthly premium and a yearly deductible - most beneficiaries also pay 20% coinsurance.
A private alternative that bundles Parts A and B - and usually Part D - often with extra dental, vision, or fitness benefits.
Plans use networks (HMO/PPO) and have their own copays. Great for some, wrong fit for others.
Standalone drug plans that work alongside Original Medicare and Medigap to cover your prescriptions.
Formularies and pricing change every January - we re-check yours each fall, on your behalf.
Still unsure which combination fits you? A 20-minute conversation usually settles it. There's never a fee.
Medicare is divided into four parts - Hospital (A), Medical (B), Advantage (C), and Prescription Drug (D). We walk you through what each part covers, what it doesn't, and how the pieces should fit together for your situation.
We compare every top-rated supplement carrier in your area so you understand exactly what you're paying for - and most clients save without changing a single doctor.
Drug formularies change. Your prescriptions change. We re-run your exact medications against the new plan year every fall - quietly, and on your behalf.
Advantage isn't for everyone - and we'll tell you when it isn't. When it's the right fit, we walk you through networks, extras, and fine print until it makes sense.
Medicare generally doesn't cover routine dental or vision care. We help retirees and families find affordable standalone plans that protect your smile and your sight - without inflating the budget.
Modest, dignified coverage designed to settle final costs without becoming a burden. We help you size it right and choose a carrier that pays claims promptly.
Most of our new clients come from a referral. Here's a small sample of why.
“After we met with Terry, we understood exactly how our Medicare would work. The service after the sale is second to none.”
“Terry's team walked us through every option without pressure and saved our family meaningful money on the same coverage.”
“They actually pick up the phone - every time. We trust them completely with our Medicare and life coverage.”