Medicare Planning That Puts YOU FIRST
Local independent advisor.
Honest, personalized help with Medicare.
No pressure, no sales pitch.
Serving RI • CT • MA • SC • FL
Local independent advisor.
Honest, personalized help with Medicare.
No pressure, no sales pitch.
Serving RI • CT • MA • SC • FL
I’m a state-licensed, independent Medicare advisor (broker), representing Medicare Advantage (Part C), Medicare Supplement (Medigap), Part D (prescription), vision, hearing and dental plans.
I have worked in the healthcare industry for most of my life — from pharmacy tech to cardiac sales to helping injured workers get their medications. Now I dedicate all of my time to helping people with Medicare planning. I’m in my seventh year and truly enjoy providing honest and personalized service.
Don’t feel overwhelmed by all the ads, mail, and calls — call me instead, your local Medicare advisor!
All-in-one plans with extras like dental, vision & hearing
Fill the gaps in Original Medicare
Plus vision, hearing & dental options
Extra financial protection during hospital stays
As your independent Medicare advisor, I can provide more objective, flexible, and personalized help when navigating the complex world of Medicare options, such as Original Medicare, Medicare Advantage (Part C), Medigap supplements, and Part D prescription drug plans.
I partner with many insurance companies which allows me to compare numerous Medicare Advantage, Medigap, and Part D plans. This gives you far more choices than a captive agent, helping ensure you find coverage that best matches your doctors, prescriptions, and preferred benefits.
Since I'm not limited to promoting one insurer's plans, I focus solely on what's best for you—considering your health needs, budget, medications, and future changes.
By shopping across carriers, I can identify lower-premium plans, better value options, or plans with extra perks (like dental, vision, or hearing coverage) that still fit your budget. Many people save money or avoid overpaying.
I am licensed, annually trained and certified (per CMS requirements), experienced in Medicare rules, and insured. I will take time to understand your unique situation, explain complex options clearly, and help you avoid common pitfalls.
Medicare decisions can be overwhelming. I handle plan comparisons, paperwork, enrollment, and questions—saving you hours (or days) of research and stress.
My service is free for clients. I earn commissions directly from the insurance companies, so using me doesn't increase your premiums or add fees.
I provide long-term help, such as annual reviews, assistance with changes in your health or needs, claims issues, forms, or switching plans—acting as your trusted advocate year after year.
Most people become eligible at age 65. Your Initial Enrollment Period (IEP) starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. Start reviewing options 3–6 months before your IEP to avoid rush decisions and potential penalties. Coverage usually begins the month you turn 65 if you enroll early in your IEP.
Yes, if you're already receiving Social Security or Railroad Retirement benefits—you'll typically get auto-enrolled in Part A and Part B, with your Medicare card arriving about 3 months before your 65th birthday. If not (e.g., delaying Social Security), you must sign up actively via Social Security (online at ssa.gov, by phone, or in person).
- Employer with 20+ employees: Group plan pays primary. You can usually delay Part B (no late penalty) while covered. Enroll in premium-free Part A when eligible for extra protection.
- Employer with fewer than 20 employees: Medicare pays primary. Enroll in both Part A and Part B when first eligible (around age 65) to avoid gaps.
Generally, you should not sign up for Medicare part A if you are actively contributing to (or your employer is contributing to) a Health Savings Account (HSA).
Check with your employer's benefits team for your plan's rules. If delaying Part B, enroll later penalty-free during your Special Enrollment Period (up to 8 months after coverage/employment ends).
Employer-sponsored plans often involve higher premiums, deductibles, and out-of-pocket costs compared to many Medicare Advantage plans, which frequently feature $0 or very low additional premiums.
- Part A: Hospital insurance (inpatient stays, skilled nursing, hospice)—usually premium-free if you paid Medicare taxes 10+ years.
- Part B: Medical insurance (doctor visits, outpatient care, preventive services)—monthly premium (income-based).
- Part C (Medicare Advantage): Private all-in-one plans covering A & B, often with extras like dental/vision/hearing.
- Part D: Prescription drug coverage (standalone or in Advantage plans).
Add Medigap (supplement) to Original Medicare (A + B) for extra out-of-pocket protection.
Original Medicare + Medigap offers nationwide doctor flexibility and predictable costs with a supplement. Medicare Advantage often has lower premiums and extras (dental, vision, hearing), but may limit networks and involve more approvals. As an independent advisor, I compare both based on your doctors, prescriptions, budget, and preferences—no bias toward one type.
If you lack creditable prescription coverage (e.g., from an employer), enroll during your IEP to avoid the late enrollment penalty (it adds up lifelong). Even with few meds now, future needs can change—coverage protects against high costs and provides peace of mind.
Missing your IEP can mean penalties and gaps. But you have options: Annual Open Enrollment (Oct 15–Dec 7) for changes effective Jan 1; Medicare Advantage Open Enrollment (Jan 1–Mar 31) for switching Advantage plans; or Special Enrollment Periods for life events (e.g., moving, losing coverage). I provide ongoing support for annual reviews and switches.