Medicare Made Simple
Medicare Plans — Explained Clearly, Chosen Wisely
Supplements, Advantage, Part D drug plans — Rick Nelson cuts through the confusion and finds the right fit for your health and budget.
Why It Matters
One Wrong Medicare Decision Can Cost You Thousands
Medicare has enrollment windows, penalty periods, and plan differences that aren't obvious until it's too late. Rick Nelson has helped hundreds of clients navigate these decisions — and he'll make sure you get it right the first time, at no cost to you.
Your Options
Understanding Your Medicare Choices
Medicare Supplement (Medigap)
Works alongside Original Medicare (Parts A & B) to cover the gaps — deductibles, copays, and coinsurance. You keep your freedom to see any doctor who accepts Medicare, nationwide.
- Predictable, low out-of-pocket costs
- See any Medicare-accepting doctor
- No network restrictions
- Ideal for frequent healthcare users
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare offered by private insurers. Often includes prescription drug coverage, dental, vision, and hearing — sometimes with $0 monthly premiums.
- Often $0 monthly premium
- Includes drug, dental & vision
- Extra benefits like gym memberships
- Great for budget-conscious enrollees
Part D — Prescription Drug Plans
If you choose Original Medicare with a Supplement, you'll need a standalone Part D plan for prescriptions. Skipping it when first eligible triggers a lifetime penalty — don't go without.
- Covers brand-name & generic drugs
- Avoid lifetime late-enrollment penalties
- Plans vary by formulary & pharmacy
- Rick compares plans for your medications
Enrollment Timeline
Turning 65? Here's What to Do — and When
3 Months Before 65
Your Enrollment Window Opens
Your Initial Enrollment Period begins. This is the ideal time to review your options with Rick and decide on a plan — before your birthday month.
Your Birthday Month
Medicare Part A & B Activate
Parts A (hospital) and B (medical) become active. If you're still on employer coverage, Rick will advise whether to delay Part B to avoid unnecessary premiums.
3 Months After 65
Enrollment Window Closes
Your Initial Enrollment Period ends. Missing this window without qualifying coverage triggers lifetime premium penalties on Part B and Part D.
Oct 15 – Dec 7 (Annual)
Annual Enrollment Period
Every year, you can switch Medicare Advantage or Part D plans. Rick reviews your coverage annually to make sure you still have the best plan for your needs.
Don't Risk a Lifetime Penalty
Failing to enroll in Medicare Part B when first eligible adds a 10% permanent premium penalty for every 12-month period you were without coverage. Part D carries a similar ongoing penalty. These penalties never go away. Rick ensures you enroll at exactly the right time.
Common Questions
Medicare FAQs
Free Medicare Review
Talk to Rick — It's Free
No pressure, no jargon. Rick will review your situation and explain your best Medicare options in plain language.
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