New to medicare

Turning 65? Let’s get it right the first time.

Medicare only gives you one Initial Enrollment Period. Miss it, or pick the wrong plan, and it can cost you for years. I’ll walk you through every option before you sign anything — no cost, no obligation.

Why This Trips People Up

Medicare doesn’t explain itself.

The problem

Tight enrollment windows most people don’t hear about until it’s too late

A lifelong penalty if you enroll late without other qualifying coverage

Four different “parts” (A, B, C, D) and dozens of competing plans

Confusing mail, robocalls, and ads that aren’t always looking out for you

How I help

I explain your actual deadlines up front, in plain language

We compare real plans from the major carriers, side by side

You leave knowing why a plan fits — not just which box to check

One person, start to finish — you can call me directly, anytime

What you get

Everything you need to enroll with confidence

A free, no-obligation consultation — in person, by phone, or by video call.

Plans compared from every major carrier I represent, not just one company.

Help figuring out if you qualify early through disability.

A clear explanation of enrollment deadlines and penalties, before they matter.

Enrollment paperwork handled for you, start to finish.

A standing invitation to call before every Annual Enrollment Period after that.

how we do it

A process refined over three decades

Enrolling in Medicare isn’t just a form to fill out — it’s a decision that affects your health care for years. Here’s how we work through it together.

Step 1

Talk

We sit down — in person, by phone, or by video — and talk through your health, budget, and what matters most to you.

Step 2

Compare

I lay out real plans from the major carriers side by side, in plain English.

Step 3

Decide

You choose the plan that actually fits — not the one with the biggest ad budget.

Step 4

Enroll

I handle the paperwork and submission, so nothing falls through the cracks.

Step 5

Stay covered

We review your plan together every year, especially heading into Annual Enrollment.

Google Reviews

What neighbors are saying

Medicare 101

Medicare basics, in plain English

Part A

Hospital coverage. Most people get this free since they’ve paid into it through payroll taxes.

Part B

Medical coverage — doctor visits, outpatient care. Comes with a monthly premium.

Part C (Medicare Advantage)

A single plan that bundles Part A, B, and often D together, through a private carrier.

Part D

Prescription drug coverage — standalone, or bundled into an Advantage plan.

Medigap (Supplement)

Optional coverage that fills the “gaps” left by Original Medicare.

Initial Enrollment Period

Your personal 7-month window: 3 months before your 65th birthday month, your birthday month, and 3 months after.

other ways i can help

Not quite what you needed?

Medicare Advantage (Part C)

One plan that bundles your hospital, medical, and often drug coverage. Let’s compare what’s actually available here in Richmond.

Medicare Supplement (Medigap)

Want the freedom to see any doctor who accepts Medicare, with fewer surprise bills? Let’s see if a Supplement plan fits your budget.

Annual Plan Review

Coverage changes every year — yours should be reviewed just as often. Every fall, during Medicare’s Annual Enrollment Period, I sit down with my clients and make sure their plan still fits.

Frequently Asked questions

Questions people ask before enrolling

When should I start the enrollment process?

What happens if I miss my enrollment window?

I’m not 65 yet, but I’m on disability. Can I still get Medicare?

Do I need a Supplement plan in addition to Original Medicare?

Does it cost anything to meet with you?

Let’s find your plan — together.

No call centers, no confusing forms. Just a real conversation with someone who knows Medicare and knows Richmond.

369 Big Hill Ave., Richmond, KY ·  (859) 285-7600