Medicare — 78+ Plans Compared. We Find the One That Fits You.

The penalty nobody warns you about

If you miss your Medicare enrollment window, the Part B late enrollment penalty adds 10% to your premium for every 12-month period you were eligible but didn't enroll. That penalty lasts the rest of your life. We have seen clients paying 20%, 30%, even 40% extra — for years — because nobody told them when to enroll.

How we compare 78+ plans for you

We review every Medicare Advantage, Supplement (Medigap), and Part D plan in your area. We check your specific doctors, your prescriptions, and your preferred hospitals before making any recommendation. Then we explain each option in plain language until you feel confident — not rushed.

We also schedule your Annual Plan Review every October (Oct 15–Dec 7) to make sure you're still in the best option as plans change. Most clients never hear from their agent again after enrollment. You will hear from us.

DSNP — the plan most people don't know about

If you have both Medicare and Medicaid, you may qualify for a Dual Special Needs Plan (DSNP) — a Medicare Advantage plan specifically designed for you, often with $0 premium and additional benefits. Ask us about this.

Carriers we work with

Medicare Partners