Medicare Doesn't Have to Be Confusing
Parts A, B, C, D, Medigap, Advantage plans, enrollment periods... it's a lot. We break it all down and help you choose the coverage that actually fits your needs.
Why Medicare Feels So Overwhelming
- Too many options, there are dozens of plans, and they all sound the same
- Confusing terminology, what's the difference between Medigap and Medicare Advantage anyway?
- Constant mail and calls, every year brings a flood of sales pitches
- Fear of choosing wrong, pick the wrong plan and you could face coverage gaps or unexpected costs
- Tight deadlines, miss an enrollment window and you might pay penalties for life
We get it. Medicare wasn't designed to be easy. That's exactly why we're here, to cut through the confusion and help you make sense of your options.
Your Medicare Coverage Options
Medicare Advantage (Part C)
All-in-one plans from private insurers
These plans combine Parts A and B, often include prescription coverage, and may offer extra benefits like dental and vision. Some plans have $0 premiums. We'll help you understand the trade-offs.
Medicare Supplement (Medigap)
Fills the gaps Original Medicare leaves
Original Medicare covers a lot, but not everything. Medigap plans help cover deductibles, copays, and other out-of-pocket costs. We'll explain which lettered plans might work for you.
Prescription Drug Plans (Part D)
Coverage for your medications
Even if you don't take many medications now, having Part D protects you from late enrollment penalties. We'll help you find a plan that covers your specific prescriptions at the best price.
Enrollment Guidance
Navigate the timing with confidence
Initial Enrollment Period (turning 65), Annual Enrollment Period (October 15 - December 7), Special Enrollment situations, and Medicare Advantage Open Enrollment (January 1 - March 31).
The Duncan Market Insurance Difference
Common Medicare Questions
When should I enroll in Medicare?
Your Initial Enrollment Period starts 3 months before the month you turn 65 and ends 3 months after. We recommend starting the process early to avoid missing deadlines.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage is an alternative to Original Medicare, you get your coverage from a private plan. Medigap supplements Original Medicare, you keep Original Medicare and the Medigap plan helps cover your out-of-pocket costs. We can explain which approach might work better for you.
Do I need Part D if I don't take any medications?
Generally, yes. If you don't enroll when first eligible and don't have creditable drug coverage elsewhere, you'll pay a penalty for every month you were eligible but didn't enroll, for life.
Can I change my Medicare plan?
Yes, during the Annual Enrollment Period (October 15 - December 7) and in some cases during the Medicare Advantage Open Enrollment (January 1 - March 31). We can review your options each year.
How much does it cost to work with you?
Our consultations are completely free. We're compensated by the insurance carriers when you enroll, which means there's no extra cost to you for using our services.
Ready to Make Sense of Medicare?
Book your consultation. We'll review your situation and help you understand your options, no pressure, no obligation.
Or call 904-217-8368