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It is true that there are financial penalties sometimes with Medicare. However, it's very important to know if and when those penalties would occur and how to avoid them.

Depending on the number of employees your company has, you may be able to waive Medicare Part B without any penalties, stay on your group insurance, and enroll into Medicare at a later date saving you thousands of dollars per year. But many group policies have become more expensive over the years and depending on your out-of-pocket costs, it may be beneficial for you to start Medicare as soon as possible.

Our team can help you compare your options.


There are several Federal and State programs available for people who have limited income.

A program called the Medicare Savings Program that is ran by Medicaid could not only pay that monthly Medicare cost, it could also help you with copays and deductibles.

There is also a Federal program called Low Income Subsidy that is ran by Social Security that helps pay for prescription drug costs. Our team understands the income requirements for those programs and can assist you with applying for them.


Our advice is always free.

If we help you enroll in a plan the insurance carrier pays a commission. Medicare requires each company to pay the same commission so there isn't an incentive to suggest one plan over another. We are truly trying to give you the best advice possible.


For people who are turning 65 or past 65 and retiring, we'll first help you understand the four parts of Medicare and then guide you through the enrollment process.

We'll help make the transition from your employer's insurance to Medicare so much easier.

If you're already on Medicare, you can change plans during the annual election period known as AEP which runs October 15th - December 7th. We help you compare plans during this time, so you'll always have confidence knowing you're in the right plan each year.


People ask me all the time why Medicare is so confusing, and I explain that it really isn't if you know how to look at it.

The problem is our employer typically provides our health insurance and when a person becomes Medicare eligible, they're facing health insurance decisions for the first time alone and making the right decision can be incredibly stressful. At the same time, they're bombarded with TV ads, phone calls, and direct mail. It can be overwhelming.

Education is the key. Once someone with patience and the knowledge teaches you the questions to ask and then guides you through the process the whole thing becomes much less stressful. That's what we provide, a stress-free Medicare experience.