Medicare doesn't have to be this confusing.
I'm an independent agent in Taylorsville. We'll go through your options together, at your pace.
The three pieces most people are choosing between
Almost everyone starts in the same place. Original Medicare is Parts A and B, and it comes from the federal government. You sign up for it through Social Security, not through me, but I am happy to help.
What most people are actually deciding is what to do from there. That's usually one of these three:
Medicare Advantage
Also called Part C. It's a way of getting your Medicare coverage through a private insurance company that Medicare has approved. What's available depends on which county you live in, and the options change from year to year.
Medicare Supplement
Sometimes called Medigap. It's a policy sold by a private insurance company that works alongside Original Medicare rather than replacing it. These are standardized by letter, so a Plan G from one company is a Plan G from another.
Part D drug plans
A standalone prescription drug plan, used with Original Medicare or alongside a Supplement. Which one makes sense depends heavily on the specific medications you take.
Which of these is right for you isn't something anyone can tell you from a brochure. It depends on your doctors, your prescriptions, your budget, and whether you spend part of the year somewhere else. That's the conversation.
What working with me actually looks like
1. We talk. On the phone, or at your kitchen table if you'd rather. You tell me what you've got going on. I ask about your doctors, your prescriptions, and anything you're worried about.
2. I do the legwork. I go look at what's available to you in your county and come back with the options that actually make sense for your situation, and I explain why.
3. You decide. Not me. If you want to think about it, think about it. If you want to talk to your kids first, talk to your kids first.
4. I'm still here afterward. Enrollment is the beginning of it, not the end. When something comes up in 6 months later, you call me.
There's no charge to you for any of this.
When you can actually make a change
This trips up almost everyone, so here's the short version.
When you first become eligible for Medicare, usually around your 65th birthday, you get a window to choose your coverage.
After that, there's a stretch every fall when anyone on Medicare can make changes that take effect the following year. This is the one most people mean when they talk about open enrollment.
Outside of those, certain life changes open a window of their own. Moving to a new county, losing coverage you had through work, and a handful of other situations.
If you're not sure whether a window is open for you right now, call me. It takes about a minute to find out, and I'd rather tell you it's closed than have you assume it is and miss it.
Serving the Salt Lake Valley and beyond
I'm based in Taylorsville and most of my clients are here in the Salt Lake Valley. West Valley City, Murray, West Jordan, South Jordan, Sandy, Midvale, Riverton, Draper, and Salt Lake City.
I do travel further for the right situation, so if you're north or south of the valley, just ask. I also do virtual appointments.
I'm also licensed in Idaho, Washington, Nevada, and Montana.
Ready to feel protected?
Send us a quick message, and we’ll craft the perfect policy together—no pressure, just help.