I help individuals and families navigate Medicare with clarity and confidence, taking the time to understand each person’s unique needs, budget, and long-term health goals. My priority is always your well-being, not just finding a plan, but making sure you feel informed, supported, and secure in your coverage choices. Medicare can be complex and constantly changing, and I’m here to simplify it, answer your questions, and guide you toward decisions that truly protect your health and peace of mind.
Have questions about Medicare or ready to explore your coverage options? I’m here to help. Whether you’re turning 65, reviewing your current plan, or just need clear answers, feel free to reach out. You can call, email, or fill out the form below, and I’ll get back to you promptly to provide the guidance and support you deserve.
ABC’s OF MEDICARE
Part A — Hospital Insurance
Think: “A = Admit”
Covers big, inpatient stuff:
Hospital stays
Skilled nursing facility (after a hospital stay)
Hospice
Some home health care
Cost
Usually $0 premium if you worked 10 years (40 quarters)
You pay deductibles and coinsurance when you use it
🅑 Part B — Medical Insurance
Think: “B = Body”
Covers everyday medical care:
Doctor visits
Specialists
Lab work, X-rays, MRIs
Preventive care
Durable medical equipment
Outpatient surgeries
Some home health
Cost (2026 ballpark)
Monthly premium (most people pay the standard amount)
Annual deductible
Typically 20% coinsurance with no cap on what you could owe
Parts A and B together are called Original Medicare
🅒 Part C — Medicare Advantage
Think: “C = Combine”
Run by private insurance companies approved by Medicare. These plans replace A and B and often include D.
They must cover everything A and B cover, plus usually:
Drug coverage
Dental
Vision
Hearing
Gym benefits
A maximum out of pocket (huge difference from Original Medicare)
You still pay your Part B premium, plus sometimes a small plan premium.
Common plan types:
HMO
PPO
🅓 Part D — Prescription Drug Coverage
Think: “D = Drugs”
Helps pay for medications.
Stand-alone plan with Original Medicare
Usually included inside most Advantage (Part C) plans
Each plan has its own:
Formulary (drug list)
Pharmacy network
Copays
The Missing Letter: Medigap (Supplement Plans)
Think: “Gap = fills the gaps”
Sold by private companies to work with Original Medicare (A & B).
They pay what Medicare does not:
Deductibles
The 20% coinsurance
Other out-of-pocket costs
Popular plans: G, N, and (for older enrollees) F.
You cannot have a Medigap plan with Part C.
Two Main Paths People Choose
Path 1: Original Medicare Route
A + B + D + Medigap
Highest freedom of doctors nationwide
Very predictable costs
Higher monthly premiums
Almost no surprise bills
Path 2: Medicare Advantage Route
A + B inside C (often includes D)
Lower premiums
Extra benefits
Network of doctors
Has a max out of pocketWhat Each Letter Really Means in Plain English
Letter
Name
What it covers
Who runs it
A
Hospital
Inpatient, SNF, hospice
Federal Medicare
B
Medical
Doctors, outpatient, tests
Federal Medicare
C
Advantage
Replaces A & B, adds extras
Private insurance
D
Drugs
Prescriptions
Private insurance
Medigap
Supplement
Pays what A & B don’t
Private insurance
The One Sentence Summary
A & B pay about 80% with no limit
Medigap covers the leftover 20%
Part C replaces all of it and adds a spending cap
Part D makes medications affordable
MEDICARE
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