Navigating the complexities of Medicare requires a disciplined strategy, which is why I bring 33
years of military service and 15 years of national-level risk management to every client’s
mission. As an independent broker, my loyalty lies with you, not a specific insurance carrier,
allowing me to provide unbiased advocacy and a sophisticated defense against coverage gaps. Best of all, my professional guidance and ongoing support come at no cost to you, as our
services are fully compensated by the insurance companies. At Medicare Mentors LLC, you get
the strategic expertise of a Veteran risk manager and a dedicated local partner, ensuring your
health and assets are fortified without any added expense.

Did You Know? Working with an independent broker doesn’t change your premium. You get
professional risk management and enrollment support for the same price as going it
alone—except with us, you have a dedicated advocate for life.

Medicare: Frequently Asked Questions

Q: Is there a fee for your services? A: No. As an independent broker, my consultations, risk
assessments, and enrollment assistance are provided at zero cost to you. I am compensated
directly by the insurance carriers. You receive risk management expertise and a dedicated local
advocate for the same price as going it alone.

Q: Will I be penalized if I don’t sign up for Medicare at 65? A: Possibly. If you don’t have
“creditable” coverage (like through a large employer) and miss your Initial Enrollment Period,
you may face lifetime late-enrollment penalties for Part B and Part D. My goal is to ensure your
transition is timed perfectly to avoid these permanent costs.

Q: What is the difference between Medicare Advantage and a Supplement (Medigap)?

* Medigap offers the freedom to see any doctor in the U.S. that accepts Medicare with
very low out-of-pocket costs, but has a higher monthly premium.

* Medicare Advantage often has $0 or low premiums and includes extra perks
(dental/vision), but operates within a specific network of doctors. We will analyze your
health needs to see which “mission profile” fits you best.

Q: Can I change my plan if my health needs change? A: Yes. During the Annual Enrollment
Period (Oct 15 – Dec 7), you can move between plans. Additionally, certain life events—like
moving or losing employer coverage—trigger a Special Enrollment Period, allowing you to
make changes outside the standard window. Another critical reason to work with a broker.

Q: Does Medicare cover everything? A: Unfortunately, no. Original Medicare typically covers
about 80% of medical costs and leaves out most prescriptions, dental, and vision. My job is to
identify those 20% gaps and “fortify” your plan so a medical event doesn't become a financial
crisis.