Medicare Made Simple

Get ahead of the confusion by understanding your options 3-6 months before you turn 65. Steve offers free pre-Medicare consultations to help you prepare without pressure.

Everyone’s health situation is unique, which is why Steve conducts personalized coverage reviews. Bring your medication list and health concerns to your free consultation for a customized recommendation.

Medicare alone typically leaves gaps in coverage that can lead to unexpected costs. During your meeting, Steve will identify potential coverage gaps and show you affordable options to protect your finances.

These plans work very differently, with distinct advantages depending on your lifestyle and health needs. Steve walks you through the practical differences with real examples that matter to local residents.

Doctor relationships matter, especially as we age. Steve researches which plans your preferred doctors accept before making any recommendations.

Medication costs can vary dramatically between plans. Steve analyzes your current prescriptions to find the Part D plan offering the best coverage at the lowest price for YOUR specific medications.

Missing enrollment periods can result in lifetime penalties and gaps in coverage. Steve helps clients understand all enrollment windows and create a personalized timeline to avoid these costly mistakes.

Yes, you can switch plans, but the timing and rules depend on the type of plan you have. For example:

• Medicare Advantage Plans: You can switch during the Annual Enrollment Period (October 15–December 7) or the Medicare Advantage Open Enrollment Period (January 1–March 31). Special circumstances, like moving or losing other coverage, may also allow changes.

• Medigap (Medicare Supplement Plans): You can apply to switch at any time, but approval isn’t guaranteed unless you qualify for special rights (like losing other coverage or moving).

Steve will guide you through your options and help you find the best plan when it’s time to make a change.