Initial Enrollment Period

Start the process 3 months prior to the first day of your 65th birth month

How much will my Part B Premiums be? Medicare premiums are determined based on your modified adjusted gross income from two years prior. While a large percentage of people fall into the standard bracket, it's essential to forecast premiums, especially when considering options like Medicare Advantage Plans and Medicare Supplement Plans during your Medicare Initial Enrollment.

Decide whether to enroll in Medicare now or stay on your employer coverage until you retire. We'll give you a side-by-side cost benefit analysis, comparing insurance vs. insurance: your employer plan against Medicare Supplement and Medicare Advantage options. We compare premiums, deductibles, maximum out-of-pocket (MOOP), and coinsurance so you can see which option is better for your individual situation.

Before diving into the specifics of coverage, it’s important to decide whether you want to explore Medicare Advantage Plans or Medicare Supplement Plans first. This decision-making process is akin to using a magnifying glass; you start with a broad perspective during your Medicare Initial Enrollment and gradually focus in to determine which option fits you best.

Once you've decided whether you want to choose Medicare Supplement Plans or Medicare Advantage Plans, the next step is to select a plan and an insurance company. We are contracted with over 15 different insurance companies to help you find the right coverage that meets your needs and lifestyle, especially during your Medicare Initial Enrollment period.

Ongoing service is the year-round, long-term support provided to you after they have enrolled in a Medicare plan. While the initial role is to help select and enroll in a plan, we acts as a dedicated, free advocate who helps navigate policy changes, billing issues, and annual plan reviews