Understand the ins and outs of Medicare, supplemental coverage, and long-term care planning so you can make confident healthcare decisions.
Medicare is a federal health insurance program for people aged 65 and older, and certain younger people with disabilities. It's divided into four parts:
Covers inpatient hospital stays, skilled nursing facilities, hospice, and some home health care.
Covers doctor visits, outpatient care, preventive services, and medical equipment.
Combines Parts A and B in a private plan that may include prescription drug coverage and additional benefits like vision and dental.
Covers a range of medications through private insurers to help manage your healthcare costs.
Choosing the right combination of parts depends on your health needs, budget, and whether you want a standalone Part D policy or an all-in-one Advantage plan. We help you compare options and enroll on time to avoid penalties.
Original Medicare doesn't cover everything. You may face deductibles, copayments, and coinsurance. Medicare Supplement (Medigap) policies can help pay these out-of-pocket costs and provide coverage when you travel.
We'll explain the different Medigap plans (A–N) and help you decide which fits your lifestyle and budget.
More than half of seniors will need some form of long-term care. Medicare and traditional health insurance generally don't cover extended stays in nursing homes or home-based care.
Long-term care insurance helps pay for these services, preserving your retirement savings and relieving the burden on family members. We can help you evaluate your options and find coverage that fits your needs.
Many families maintain strong connections to their home culture, including diets, exercise habits, and family care traditions. When evaluating U.S. health insurance and Medicare options, it's important to consider how these factors influence coverage.
For example, some extended families live together, which may impact eligibility for Medicaid or subsidies. Others manage chronic conditions such as diabetes or heart disease. We help you factor in these realities when choosing plans and coordinating care across multiple generations.
Navigating Medicare and supplemental coverage is complicated. We keep up with federal and state changes that affect your benefits. We can explain how to enroll if you're approaching age 65, how Medicare works if your spouse remains abroad, and how to combine employer health plans with Parts A and B.
Our guidance is personalized and always free. Let us help you make sense of the healthcare landscape so you can focus on what matters most – your health and your family.
Your Initial Enrollment Period begins three months before your 65th birthday month and ends three months after. If you're still working and have employer coverage, you may be able to delay enrollment without penalty. We'll help you understand your specific situation.
Medicare Advantage (Part C) replaces Original Medicare with a bundled plan from a private insurer. Medigap supplements Original Medicare by covering out-of-pocket costs. You can't have both simultaneously. We'll compare both options based on your healthcare needs and preferences.
Medicare provides limited coverage for skilled nursing care (up to 100 days) but does not cover custodial care or extended nursing home stays. That's why long-term care insurance is important for protecting your retirement savings and providing for future care needs.
Yes! During the Annual Enrollment Period (October 15 – December 7), you can switch between Original Medicare and Medicare Advantage, change Advantage plans, or adjust your Part D coverage. We can review your current plan and help you find better options if they exist.
Navigating health insurance doesn't have to be confusing. We'll explain your options, compare quotes, and ensure you have the coverage you need – at no cost to you.
Confused about Medicare Parts A, B, C, or D, or long-term care coverage? Let us answer your questions during a free consultation.