You should start learning about Medicare 3 to 6 months before turning 65, especially if you’re planning to retire or lose employer coverage around that time. Contact us and we will guide you through the process.
Medicare Part A covers hospital services, Part B covers medical services, Part C (Medicare Advantage) is an all-in-one alternative, provided by private insurance companies that are contracted with Medicare, that includes A, B, and usually D, and Part D covers prescription drugs.
If you have creditable employer coverage, you may be able to delay enrolling in Medicare without penalty. However, it’s important to speak with an advisor to confirm based on your specific situation.
Original Medicare (Parts A & B) is government-run and lets you see any provider that accepts Medicare. Medicare Advantage (Part C) is offered by private companies that are contracted with Medicare and often includes extra benefits like dental, vision, prescription coverage and more.
Medigap (Medicare Supplement) policies help cover out-of-pocket costs not paid by Original Medicare, such as copays and deductibles. You may need it if you want predictable costs and the freedom to see any doctor nationwide who accepts Medicare.
Most people don’t pay a premium for Part A. Part B has a standard premium that may be higher based on income. Medicare Advantage and Part D plans vary in cost depending on the plan you choose.
Original Medicare does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans offer coverage for these services.
Medicare Supplement plans work alongside Original Medicare to pay for extra costs. Medicare Advantage plans are an all-in-one alternative with a network of providers and additional benefits. Contact us to see which option would fit your needs the best.
Medicare Part D and many Medicare Advantage plans cover prescription drugs. Coverage and costs vary by plan, so it’s important to review your medications annually.
The ‘donut hole’ was eliminated in 2025.
Your Initial Enrollment Period is a 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). Enroll early to avoid delays or penalties. Our team will help you with this process.
You may face late penalties if you miss your Initial Enrollment Period without having creditable coverage. However, Special Enrollment Periods may apply if you had employer coverage or other qualifying situations.
Yes. You can change plans during the Annual Enrollment Period (Oct 15–Dec 7) or during other special enrollment opportunities throughout the year.
A Special Enrollment Period allows you to enroll or change plans outside of normal periods due to life events like losing employer coverage, moving, or qualifying for Medicaid.
Enroll during your Initial Enrollment Period or maintain creditable coverage (like employer or VA/TRICARE coverage) to avoid late penalties.
We simplify the Medicare process, help you compare plans that fit your needs, and provide year-round advocacy—at no cost to you. We also have a concierge support team that helps resolve issues that may arise.
No. Our services are completely free. We’re compensated by the insurance carriers when you enroll, which allows us to offer unbiased support at no charge.
We educate you on your options, help you enroll in the right plan, and support you with renewals and changes throughout the years. You’ll never be alone in the Medicare process.
No. While we’re based in Colorado, we serve clients across the country and even U.S. citizens living abroad.
Yes. The majority of our team are Veterans or Veteran spouses. We are experts in TRICARE, VA, CHAMPVA, and FEHB integration with Medicare, and we proudly serve Veterans and their families.
Yes. We offer free annual reviews to ensure your Medicare plan still fits your changing needs, medications, and doctors.
Contact us directly. We advocate for you and work with the insurance company to help resolve any issues that come up after enrollment.
Yes. We offer both in-person and virtual appointments to meet your needs and comfort level.
Yes. We help many clients living overseas or who travel frequently, including guidance on how Medicare interacts with international coverage and TRICARE for Life.
You can call us directly, use our online contact form, or schedule a consultation through our website. We’ll match you with a licensed broker who fits your needs.
