Turning 65, retiring, or just trying to make sense of it?
Medicare
Medicare has four parts, several enrollment windows and a lot of mail. We start by figuring out which pieces apply to your situation, then compare the options that go with them.
What to understand
Part A and Part B
Original Medicare — hospital and medical coverage, with deductibles and coinsurance you pay yourself.
Part C (Medicare Advantage)
A private plan that bundles your coverage, usually with a network and often extra benefits.
Part D
Prescription drug coverage, with a formulary that determines what your medications cost.
Enrollment timing
Missing a window can mean a lifelong penalty or a wait — timing matters as much as the plan.
Questions worth asking
- Are my doctors and hospitals in the plan's network?
- Are all of my medications on the plan's formulary?
- What is my realistic worst-case cost in a bad year?
- Do I travel or spend part of the year in another state?
Talk it through with Daniel
A no-cost consultation is the fastest way to find out which options actually fit your situation.