Medicare Solutions
Understand your options.
Protect what you’ve built.
Turning 65 sets a clock running. We’ll walk you through what each path covers, what it costs, and which doctors accept it — before any decision has to be made.
Three ways to be covered.
| Original Medicare | Medicare Advantage | Supplement + Part D | |
|---|---|---|---|
| Choice of doctor | Any provider accepting Medicare | Plan network, in most cases | Any provider accepting Medicare |
| Monthly premium | Part B premium only | Often $0 beyond Part B | Part B plus supplement and drug plan |
| Out-of-pocket cap | None | Annual maximum set by plan | Effectively minimal after the supplement |
| Prescription drugs | Requires separate Part D | Usually included | Separate Part D plan |
| Extra benefits | None | Dental, vision, hearing, fitness vary | Purchased separately |
| Best suited to | Those adding coverage piece by piece | Lower fixed costs, comfortable with a network | Predictable costs and full provider freedom |
A simplified comparison for orientation only. Plan availability, costs and networks vary by county and by year.
Timing
The windows that matter.
Miss one and you may pay a penalty for life. We track these dates for every client so you don’t have to.
3 months before 65
Initial Enrolment
A seven-month window around your 65th birthday. Enrol during it and no penalty applies for life.
Oct 15 – Dec 7
Annual Enrolment
The yearly opportunity to change plans as premiums, networks and drug formularies shift.
Any time
Special Enrolment
Triggered by a move, a job change or a loss of employer coverage. Timelines are short and strict.
Let’s look at your county’s plans together.
Bring your list of doctors and prescriptions. We’ll show you every plan that accepts them.
Schedule a Medicare Review