Initial Enrollment Period is 7 months around your 65th birthday. Missing it can trigger penalties.

Original = Parts A & B (add Medigap/Part D if desired). Advantage = private plan combining A, B, and usually D, often with extra benefits and provider networks.

Private coverage that helps pay Medicare deductibles/coinsurance.

6-month Medigap Open Enrollment (starts when you’re 65+ and Part B is active). No medical underwriting in this window.

Usually yes, unless you have other creditable drug coverage; delaying can add a lifetime penalty.

A coverage stage where you pay a larger share until reaching catastrophic coverage (plan-year thresholds apply).

• AEP: Oct 15–Dec 7 (changes effective Jan 1)
• OEP: Jan 1–Mar 31 (MA members can switch MA plans or go back to Original Medicare)
• SEPs: For moves, Medicaid status changes, loss of employer coverage, etc.

Original Medicare generally does not; some MA plans do.

MA/Part D availability is local; moving triggers an SEP to choose a new plan.

No. Consultations and plan reviews are no-cost. We’re paid by carriers if you enroll; your premium is the same whether you go direct or through us.