You can enroll in Medicare starting three months before your 65th birthday. If you're still working and have employer coverage, you may qualify for delayed enrollment.

Medicare Supplement plans help cover out-of-pocket costs that Medicare doesn’t pay, such as deductibles and copayments. They are a great option if you want lower medical expenses.

We compare different Part D plans based on your specific medications, preferred pharmacies, and budget to find the most cost-effective option.

It typically covers funeral costs, medical bills, and outstanding debts, ensuring your loved ones are not burdened financially.

Long-term care insurance helps cover the high costs of in-home care, assisted living, or nursing home care, protecting your assets and giving you more care options.

If you miss your Initial Enrollment Period (IEP) for Medicare, you may have to wait until the General Enrollment Period (January 1 – March 31) to sign up, which could result in late penalties. However, if you have qualifying employer coverage, you may be eligible for a Special Enrollment Period (SEP) to avoid penalties.

It’s a good idea to review your Medicare plan annually, especially during the Open Enrollment Period (October 15 – December 7). Plan costs, coverage, and provider networks can change, and we can help ensure you still have the best plan for your needs.

Medicare Advantage Plans (Part C) are all-in-one plans that include hospital, medical, and sometimes prescription drug coverage. They often have lower premiums but may require network restrictions. Medicare Supplement Plans (Medigap) help cover out-of-pocket costs from Original Medicare (Parts A & B), such as copayments and deductibles, giving you more flexibility in choosing healthcare providers.

No, you cannot have both a Medicare Advantage Plan and a Medicare Supplement Plan. If you enroll in a Medicare Advantage Plan, you must drop your Medigap policy, as Medigap only works with Original Medicare.

If you want to protect your assets and avoid relying on Medicaid, long-term care insurance can provide financial security by covering the costs of in-home care, assisted living, or nursing home services. It’s best to enroll before health issues arise, as premiums are lower when you're younger and healthier.