Frequently asked questions

No. My help is free to you. I am paid by the insurance company you choose, and your premium is the same whether you use an agent or not.

Original Medicare (Parts A and B) is run by the federal government and lets you see any doctor who accepts Medicare. Medicare Advantage (Part C) plans are offered by private insurance companies. They combine hospital and medical coverage, often include drug coverage, and usually use a network of doctors.

Most people first enroll during a seven month window around their 65th birthday: the three months before your birthday month, the month itself, and the three months after. Each fall, from October 15 to December 7, you can review and change your coverage.

Open enrollment usually runs from November 1 to January 15, though dates can vary by state. Outside that time, you may be able to enroll after a life event such as losing job coverage, moving, getting married or having a baby.

Yes. I can review your current plan with you, explain it in plain language, and let you know if another option may fit you better. If your plan is already a good fit, I will tell you that too.

I am licensed in Ohio, Kentucky and Texas.

If you have them: your Medicare or insurance card, a list of your doctors, and a list of the medicines you take. If you do not have these handy, that is fine. We can start anyway.