Request a 30-Minute Medicare Review Call
This is a calm, helpful phone call. We’ll answer your questions, explain options in plain English, and give you clear next steps.
- Clear timing and what applies to you
- Help comparing Medigap vs Medicare Advantage
- A simple checklist for what to do next
About us (and what this call is)
We help people understand Medicare choices in plain English. This 30-minute review call is a focused conversation — no rushing, no pressure.
What we do
- Answer your questions without jargon
- Explain options and timing clearly
- Help you compare choices based on your priorities
- Give you a simple “next steps” checklist
What we don’t do
- No high-pressure sales tactics
- No “one-size-fits-all” recommendations
- No rushing you into a decision
- No confusing fine print without explanation
Medicare in plain English
Medicare has “parts” that work together. The right path depends on your doctors, prescriptions, budget, and how you want your coverage to work.
Part A (Hospital)
Inpatient hospital care, skilled nursing (limited), hospice, and some home health.
Part B (Medical)
Doctor services, outpatient care, preventive services, and many medically necessary services.
Part D (Prescriptions)
Drug coverage through private plans. Formularies and costs vary by plan and area.
Medicare Advantage (Part C)
A private-plan alternative to Original Medicare. Plans have their own costs, networks, and rules.
Medigap (Medicare Supplement)
Works with Original Medicare to help pay certain out-of-pocket costs. Premiums vary by plan/company/area.
2026 Medicare costs at a glance
These are standard amounts many people ask about first.
Part B premium (most people)
$202.90 per month
Higher-income beneficiaries may pay an additional amount (IRMAA).
Part B deductible
$283 per year
This is the annual deductible for Part B services.
Part A deductible
$1,736 per benefit period
You may pay it more than once if you have multiple benefit periods.
Enrollment timing (simple guide)
Timing depends on your age and what coverage you already have. Common situations:
- Turning 65: Initial Enrollment Period lasts 7 months (3 months before, your birthday month, 3 months after).
- Still working: you may be able to delay Part B without a penalty if you have qualifying employer coverage (details vary).
- Annual review: Oct 15 – Dec 7 is the main window many people use to review Part D and Medicare Advantage.
Medigap vs Medicare Advantage (simple comparison)
Two common paths. On the call, we’ll tailor this to your doctors, prescriptions, and budget.
Medigap (Supplement) + Original Medicare
Often chosen by people who want flexibility and a more predictable structure.
- How it works: Original Medicare pays first; Medigap helps cover remaining costs.
- Doctors/hospitals: Typically more flexibility if a provider accepts Medicare (depends on situation).
- Costs: Monthly premium + typically fewer surprise costs when you use care (varies by plan).
- Prescriptions: Usually add a separate Part D drug plan.
Medicare Advantage (Part C)
Often chosen by people comfortable with plan rules and a network approach.
- How it works: Coverage is through a private plan with plan rules and cost sharing.
- Doctors/hospitals: Often uses networks; out-of-network rules vary by plan.
- Costs: You usually pay copays/coinsurance as you use care; plans have a max out-of-pocket.
- Prescriptions: Often includes Part D (not always).
Common mistakes we help people avoid
Most problems come from timing, assumptions, or comparing the wrong things.
- Choosing based only on premium: compare total yearly costs and how you use care.
- Not checking prescriptions: costs can change based on formularies and pharmacies.
- Not understanding provider access: networks and referrals can matter a lot.
- Missing timing details: enrollment windows and special rules can affect choices.
- Not reviewing annually: plans can change year to year.
What to have handy for your 30-minute call
If you have these, we can make the call even more useful (but it’s okay if you don’t).
- Your ZIP code and county
- A list of prescriptions (name + dosage if possible)
- Your preferred doctors/hospital system
- Your current coverage card (if already enrolled)
- Your top 3 questions (we’ll start there)
FAQ’s
Short answers to the questions we hear most often.
How long is the call?
About 30 minutes. The goal is clarity and a simple plan for your next steps.
Is this a high-pressure call?
No. We explain your options in plain English so you can decide comfortably.
What if I’m still working or have other coverage?
That’s common. We’ll talk through how Medicare works with employer or retiree coverage and what applies to you.
Want help applying this to your situation?
Choose a time for a 30-minute review and we’ll walk through your options together.
