Frequently Asked Questions

No. My consultations and insurance guidance are provided at no cost to you. My goal is to educate you, answer your questions, and help you find coverage that fits your needs and budget. 

I help individuals and families with:

• Medicare Advantage
• Medicare Supplement (Medigap)
• Medicare Part D Prescription Drug Plans
• Individual & Family Health Insurance
• ACA Marketplace Plans
• Life Insurance
• Dental & Vision Insurance
• Accident Insurance
• Critical Illness & Hospital Indemnity Plans
• Travel Health Insurance

You should begin planning about three months before your birthday month. This gives you plenty of time to enroll in Medicare and review your coverage options before your benefits begin.  

Check out my video on Youtube titled "Turning 65? What to do about Medicare"  https://www.youtube.com/watch?v=o1G_agPnJ1c&t=2s

You will enroll through the Social Security Administration. Once you receive your Medicare card, I'll help you compare your Medicare plan options and choose the coverage that's right for you. 

A Medicare Supplement plan helps pay many of the out-of-pocket costs Original Medicare doesn't cover, while a Medicare Advantage plan combines your Medicare benefits into one plan that may include additional benefits. I'll explain both options so you can make an informed decision. 

 As an independent agent, I represent multiple insurance companies instead of just one. That allows me to compare plans and recommend options based on your healthcare needs, doctors, prescriptions, and budget. 

 Absolutely! My relationship with my clients doesn't end after enrollment. I'm here to answer questions, review your coverage each year, assist with plan changes when appropriate, and help you navigate the Medicare process. 

 Yes. Whether you're new to Medicare or already enrolled, I can review your current coverage, answer your questions, and help you determine if your current plan is still the best fit for your needs. 

 Yes. If you're under age 65 and need individual or family health insurance, I can help you explore Marketplace plans and determine whether you may qualify for premium tax credits. 

 That's exactly why I'm here. Whether you need Medicare guidance, health insurance, life insurance, or simply have questions, I'll take the time to explain your options in a way that's easy to understand. 

 Yes! I host a FREE Medicare 101 Educational Seminar every Thursday at 6:00 PM where you can learn the basics of Medicare in a relaxed, no-pressure environment. 

 You can call, email, or use the contact form on my website to schedule a free consultation. Whether you prefer to meet in person, by phone, or virtually, I'm happy to help you find the coverage that's right for you. 

It depends on your employer's health insurance and your specific situation.

If you're covered by a group health plan through an employer with 20 or more employees, you may be able to delay enrolling in Medicare Part B without paying a late enrollment penalty. If your employer has fewer than 20 employees, you'll generally need to enroll in Medicare when you become eligible to avoid potential gaps in coverage.

Many people also choose to enroll in premium-free Medicare Part A at age 65, but if you're contributing to a Health Savings Account (HSA), enrolling in Medicare can affect your ability to continue making HSA contributions.

Because every situation is different, it's important to review your options before making a decision.