A: Medicare planning helps you understand how each part of Medicare — Parts A, B, C, and D — fits into your personal healthcare and financial situation. It’s not just about choosing a plan; it’s about understanding your coverage, timing your enrollment correctly, and avoiding costly mistakes or penalties. With professional Medicare planning, you can ensure your doctors, prescriptions, and preferred hospitals are covered while staying within your retirement budget.

A: You should begin planning at least 4 to 6 months before turning 65 or before retiring if you’ll lose employer coverage. Early planning gives you time to learn your options, understand enrollment periods, and make confident decisions without feeling rushed. If you’re already over 65, a Medicare review can still help you find better coverage or lower costs — it’s never too late to plan wisely.

A: The Care + Coverage Blueprint™ is a simple 4-step system: Discover, Plan, Enroll, & Support. The first step is an educational Discovery Call in which we discuss your goals and the basics of how Original Medicare works in plain language.

The next step is your Medicare Planning Review Session. We’ll walk through your unique situation, review your current doctors and prescriptions, and help you understand in detail what coverage fits best for your health and lifestyle.

Lastly, we Enroll & Support. Once you’re confident, I take care of the enrollment details. You get a smooth transition into Medicare — and I stay in touch each year to review your plan, handle renewals, and keep you covered as your needs change. We'll also review your legacy planning and your retirement income stability, so you have complete coverage.

There’s no cost or obligation — just education and guidance. My services are complimentary to you, as I am compensated by the insurance carriers, not by my clients. As an independent agent, I am unbiased — I work for my clients, not the insurance companies, so every recommendation is based on what truly fits your needs and budget.

A: Medicare planning helps you avoid pitfalls, saving you money and giving you confidence that your healthcare is protected. Some of the most common Medicare mistakes include:

A: No. While turning 65 is the most common time to start, anyone who’s retiring, losing employer coverage, or looking to better understand their Medicare options can benefit. I also help federal retirees, postal employees, Veterans, and TRICARE members understand how their FEHB, PSHB, VA, and military health benefits coordinate with Medicare.

Even current Medicare beneficiaries can benefit from an annual review to make sure their plan still fits their needs and budget — especially if their prescriptions or doctors have changed.

A: Yes — a Medicare planner can absolutely help with more than just Medicare. Most agents help you pick a plan. I help you understand how your coverage, claims, and care actually work together — so you save money, reduce stress, and protect your future.

My team and I take a holistic approach, combining Medicare guidance with life insurance solutions and retirement income strategies to help you protect your health, grow your wealth, and enjoy long-term peace of mind.