What Is Medicare?

Medicare is the federal health insurance program primarily for people age 65 and older, though it also covers certain younger individuals with disabilities or qualifying medical conditions. It’s split into several parts:

Part A covers hospital stays and inpatient care
Part B covers doctor visits and outpatient services
Part C (Medicare Advantage) bundles Parts A and B with extra benefits
Part D helps with prescription drug costs

Sounds simple enough—until it’s not. Between enrollment deadlines, plan types, coverage gaps, and yearly changes, Medicare can quickly become confusing and overwhelming. That’s where I come in.

How I Help

I specialize in helping people make sense of Medicare—without the jargon, the sales pressure, or the runaround. Whether you’re just turning 65, helping a loved one navigate their options, or reviewing your current plan, I’m here to make sure you understand what you’re signing up for and why it matters.

As an independent agent, I’m not tied to any one company. That means I can shop across multiple carriers to help you find the plan that fits your health needs, budget, and lifestyle—not just one that ticks a box.

My goal is simple: Make Medicare make sense and give you peace of mind that you’re making the right choice, not just for today, but for the road ahead.

Medicare Myths & Misconceptions

“Medicare covers everything, right?”
Not quite. While Medicare covers a lot, it doesn’t cover everything—like long-term care, most dental or vision services, or prescriptions unless you have a Part D or Medicare Advantage plan that includes drug coverage. Knowing what’s not covered is just as important as knowing what is.

“I’ll be automatically enrolled when I turn 65.”
Maybe—but not always. If you’re already drawing Social Security, you’ll likely be auto-enrolled in Parts A and B. If not, you’ll need to sign up. Missing your enrollment window can lead to penalties or coverage delays, and nobody wants that.

“All Medicare plans are the same.”
Definitely not. Medicare Advantage and Supplement (Medigap) plans vary widely by provider, coverage, and cost. What works for your neighbor may not work for you. That’s why a tailored, side-by-side comparison is key—and exactly what I provide.

“Once I choose a plan, I’m stuck with it forever.”
Nope! You can review and change your Medicare plan each year during the Annual Enrollment Period (Oct 15 – Dec 7). And if life changes, there are sometimes Special Enrollment Periods where you can adjust your coverage.

If you’re nearing Medicare enrollment or considering switching plans, schedule a phone call to begin discussing your options.

Want to learn more about Medicare? Click here to read more on the blog!