Medicare Guidance with Clarity and Confidence
Get clear answers, personalized guidance, and the confidence to make informed Medicare decisions.
Whether you're turning 65, preparing to retire, or reviewing your current Medicare coverage, every person's situation is different.
I'll take the time to understand your healthcare needs, answer your questions, and explain your options in plain English—so you can make decisions with confidence, not confusion.
Turning 65?
Your Medicare Journey Starts Before Your 65th Birthday
For most people becoming eligible for Medicare at 65, the Initial Enrollment Period begins three months before the month of their 65th birthday. Planning ahead can help you understand your options and avoid missed deadlines or potential penalties.
Planning ahead can help you avoid unnecessary stress, missed deadlines, and potential late enrollment penalties.
During our consultation we'll discuss:
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When you're eligible to enroll
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Whether you should enroll if you're still working
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Employer coverage vs. Medicare
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Medicare timelines and important deadlines
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What happens if you delay enrollment
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How to avoid late enrollment penalties
Medicare Has Four Parts
Understanding the basics makes every other decision easier.
Hospital Insurance
Generally helps cover:
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Inpatient hospital care
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Skilled nursing facility care (when Medicare requirements are met)
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Hospice care
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Some home health services
Part A
Part B
Medical Insurance
Generally helps cover:
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Doctor visits
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Outpatient care
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Preventive services
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Lab work
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Durable medical equipment
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Many medically necessary services
Part C
Medicare Advantage
Part C, also called Medicare Advantage, is another way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare. Most plans include Part D prescription drug coverage, and some may offer additional benefits.
Part D
Prescription Drug Coverage
Part D helps cover the cost of prescription drugs. Coverage is available through stand-alone Medicare drug plans and is also included in many Medicare Advantage plans.
Medicare Advantage vs. Medicare Supplement
WHICH OPTION IS RIGHT FOR YOU?
One of the most common questions I hear is:
The answer depends on your situation.
During our appointment we'll discuss:
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Your doctors
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Your prescriptions
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Your expected healthcare needs
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Your travel plans
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Your budget
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Provider networks
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Premiums and potential out-of-pocket costs
Rather than recommending the same solution for everyone, we'll compare the available options so you can make an informed decision.
"Should I choose Medicare Advantage or a Medicare Supplement?"
"My goal is to help you understand your options, answer your questions, and make informed decisions with confidence-never pressure."
-Kellie Huval
YOUR COVERAGE OPTIONS
Medicare Advantage
An alternative way to receive your Medicare benefits through a private Medicare-approved plan. Plans may include prescription drug coverage and additional benefits.
Medicare Supplement
Medigap works with Original Medicare to help pay certain out-of-pocket costs such as deductibles, coinsurance and copayments. Medicare confirms Medigap is supplemental insurance used with Original Medicare to help cover certain out-of-pocket costs.
Prescription Drug Coverage
Part D helps cover prescription medications. We'll compare your prescriptions and preferred pharmacies when reviewing available plans.
Understanding Medicare Enrollment Periods
We'll review the enrollment period that applies to your situation, including:
Initial Enrollment Period When you're first eligible for Medicare. Generally, when you turn 65. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.
General Enrollment Period January 1–March 31 for certain people who missed an earlier opportunity to enroll in Part A and/or Part B.
Medicare Open Enrollment October 15–December 7 for making certain Medicare Advantage and prescription drug coverage changes.
Medicare Advantage Open Enrollment January 1–March 31 for people already enrolled in Medicare Advantage.
Special Enrollment Periods Available in certain circumstances, such as losing qualifying coverage or moving.
For the most accurate info: