Medicare
A CMIP® broker who makes Medicare finally make sense
Turning 65, retiring, or shopping your plan for the next AEP? I compare every Medicare Advantage, Medigap, and Part D plan available in your ZIP code — independently, for free.
Plans I Compare
Every piece of Medicare — under one broker
Medicare Advantage (Part C)
All-in-one plans that bundle hospital, medical, and often prescription and extras (dental, vision, hearing, fitness). Compare networks, MOOPs, and star ratings side-by-side.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover deductibles, coinsurance, and copays. Plan G and Plan N comparisons across every carrier licensed in Maryland.
Part D Prescription Drug Plans
Standalone drug plans compared against your actual medication list, preferred pharmacies, and any Extra Help / LIS eligibility.
Enrollment Timing
Turning 65 (IEP), Open Enrollment (Oct 15 – Dec 7), Medicare Advantage OEP (Jan 1 – Mar 31), or a Special Enrollment Period — I'll help you use the right window.
How I Work
A calm, four-step process — even if you feel behind
01
Understand your situation
Are you turning 65, retiring, losing employer coverage, or reviewing your current plan? Each path has different rules and deadlines.
02
Build your criteria
We list your doctors, hospitals, medications, preferred pharmacy, monthly budget, and how you feel about network restrictions.
03
Compare every option in your ZIP
Because I'm independent, I can objectively compare Medicare Advantage, Medigap + Part D, and standalone drug plans across every carrier available to you.
04
Enroll & stay covered
I handle the paperwork, confirm your effective date, and stay your point of contact for claims, provider changes, and next year's review.
Frequently Asked
Medicare questions I hear every week
- Do I have to pay to work with a Medicare broker?
- No. Medicare brokers are paid by the insurance carriers, and the government sets those commissions — so the plan costs the same whether you enroll through me or directly with the carrier. You get an unbiased advisor at no cost.
- Should I choose Medicare Advantage or a Supplement plan?
- It depends on your priorities. Medicare Advantage often has lower premiums and includes extras, but uses networks and MOOPs. A Supplement plan (like Plan G) has higher premiums but very predictable out-of-pocket costs and lets you see any provider that accepts Medicare. I'll walk you through the real tradeoffs based on your health and travel habits.
- What happens if my plan changes or my doctor leaves the network?
- You call me. I track your plan year-round, alert you before AEP if a better option opens up, and help you switch during any qualifying period. That's a big part of what a broker relationship is for.
- I'm still working past 65 — do I need Medicare now?
- Not always. If you have credible employer coverage, you may be able to delay Part B without penalty. I'll help you compare your employer plan against Medicare so you make the right call — this is a common area where people make expensive mistakes.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Turning 65 in the next 6 months?
The window to enroll without penalties is smaller than most people realize. Let's build your plan now, calmly, before any deadlines get close.