Medicare

Medicare, made simpler

From Medicare Advantage to Medigap supplements and Part D drug plans, I’ll help you find coverage that fits your health, your doctors, and your budget, and I’ll check that your doctors are covered before you enroll, not after.

Call Mary · 352-843-3614

There’s no cost for my help. The plans pay me, not you. It never changes your premium.

A happy senior couple smiling together at their sunny kitchen table

Your main Medicare choices

A quick look at each one, then we’ll figure out together which fits you.

Medicare Advantage

An all-in-one plan from a private carrier that bundles your hospital and medical coverage, usually with prescriptions, and often extras like dental, vision, or hearing. I’ll help you compare what each one covers.

Medigap Supplements

These work alongside Original Medicare to help with the out-of-pocket costs it leaves behind, so there are fewer surprises when you get care. We’ll look at whether one fits your situation.

Part D Drug Plans

Coverage that helps with the cost of your prescriptions. Bring me your medication list and I’ll help you check that they’re covered.

Carriers I work with

UnitedHealthcare
Humana
Aetna
Florida Blue
Freedom Health
Optimum
Ultimate Health Plans
CarePlus
Wellcare

We do not offer every plan available in your area. See Medicare disclosures ›

My role as your local agent

My job is to help you find the plan that best fits your individual needs, and that starts with knowing you. To give you a recommendation that actually fits, I’ll usually ask for three things:

A list of your doctors
A list of your medications, including dosages
What matters most to you: your healthcare priorities and your budget

From there, we’ll talk through the trade-offs together. Some folks want the all-in-one convenience and extra benefits of a Medicare Advantage plan. Others want the predictable out-of-pocket costs and nationwide access of a Medicare Supplement, with fewer prior authorizations and no referrals to see specialists. There’s no one right answer, only what’s right for you.

And if a Supplement is your fit, I’ll also help you evaluate and enroll in a Part D prescription drug plan to go with it.

When you can enroll or make changes

Medicare has set times of year for enrolling and switching. These are the main ones, and when you’re my client, I’ll help you keep track of yours.

October 15 – December 7

Annual Enrollment Period

The fall window when anyone with Medicare can review their coverage and make changes for the year ahead.

January 1 – March 31

Medicare Advantage Open Enrollment

If you’re already in a Medicare Advantage plan, a chance early in the year to make one change.

Around your 65th birthday

Initial Enrollment Period

A seven-month window when you first become eligible: the three months before your birthday month, your birthday month itself, and the three months after.

When life changes

Special Enrollment Periods

Certain life events, like moving or losing other coverage, can open a window to make a change outside the usual times.

Here when you’re ready

When you call about Medicare, you reach me, Mary, a real, local agent, not an 800 number. I’ll compare your options side by side and check that your doctors and medications are covered before you enroll. And if something isn’t right later, you have my cell to call me directly, not a call center. Whether you’re new to Medicare or rethinking your plan during the fall Annual Enrollment Period, we’ll take it at a pace that feels right for you.

Answers to common questions