In our training, you will learn how the 4 parts of Medicare will directly affect you and your personal situation.  You are the most important part of this process and we will ensure that you are properly educated in every aspect before you make a decision.

Here’s how we help you:

1. Determine if you qualify for Medicare.
2. Not everyone needs to enroll in both parts of Original Medicare at age 65. We will help you determine how this applies to you. Or for more detail, download our free PDF.
3. Understand how penalties are assessed and how to avoid them.
4. Show you how income related manual adjustment amounts (IRMAA) can impact you, and what to do about this if your household income changes after retirement.
5. Determine whether you need a stand-alone prescription drug plan or a plan that has one included.
6. Show you different Medicare Supplement plans, prices, out of pocket expenses, what Medicare covers and what it does not.
7. Show you how Medicare Advantage Plans are different than Medicare Supplement plans and how co-insurance, co-pays and maximum out of pocket expenses can affect you.
8. Annually re-evaluate your plan (Supplements, Advantage Plans and especially Prescription Drug Plans) to make sure they are still best suited for you and cost-effective. Our Advisors help you stay informed on any Medicare changes that will affect you each year. All of which we do free of charge for our clients.
9. Evaluate government and state health plans versus what is available on the open market.
10. Determine if AHCCCS/Medicaid is an option for you if so, guide you in the qualification process.
11. Determine if a Chronic Illness or Special Needs Plan is appropriate for you.
12. How military retirement affects your enrollment in Medicare.
13. If you are on an employer-sponsored health plan, you may or may not be required to enroll in Part B.
14. Evaluate with you whether staying on your spouse’s employer-sponsored health plan is a good option for you. Sometimes it is.

We are veteran owned and operated and have a Registered Nurse on staff to assist with the unique needs of Medicare Prescription Drug Plans.  Through our many years, we have developed strong relationships with other like-minded businesses, who have a real heart to help those they serve. Through these relationships, we have been able to help many clients who don’t qualify for government low-income subsidies but are facing hardships with high drug costs. It is very rewarding to see some of our client's drug prices drop by $1000’s through these valuable resources.