Medicare, Made Clear

New to Medicare or just want a second opinion? We explain your options in plain language, with no pressure — so you can choose the coverage that fits your health, your doctors, and your budget.

Medicare

Turning 65, or rethinking your plan?

Medicare has a lot of moving parts, and the right choice is different for everyone. We'll help you understand how the pieces fit together and review options that work with the doctors and prescriptions you already have.

The Parts of Medicare

Part A — Hospital

Inpatient hospital stays, skilled nursing, hospice, and some home health care.

Part B — Medical

Doctor visits, outpatient care, preventive services, and durable medical equipment.

Part C — Advantage

An all-in-one alternative offered by private carriers, often bundling A, B, and D.

Part D — Drugs

Prescription drug coverage to help manage the cost of your medications.

Coverage Options We Help With

Part C

Medicare Advantage

A private-carrier alternative to Original Medicare that often includes prescription, and may include extras like dental, vision, or hearing.

  • Bundled, all-in-one coverage
  • Network-based with set out-of-pocket maximums
  • May include added benefits
Medigap

Medicare Supplement

Works alongside Original Medicare to help cover costs it leaves behind — like deductibles and coinsurance — with the freedom to see any provider that accepts Medicare.

  • See any Medicare-accepting provider
  • Predictable out-of-pocket costs
  • Standardized plan options
Part D

Prescription Drug Plans

Standalone drug coverage that pairs with Original Medicare or a Supplement. We compare plans against your actual medication list to find the best fit.

  • Matched to your prescriptions
  • Compare formularies and pharmacies
  • Help avoiding late-enrollment penalties

Key Enrollment Periods

Initial (IEP)

The 7-month window around your 65th birthday when you first sign up for Medicare.

Annual (AEP)

Oct 15 – Dec 7 each year, when you can change Advantage and Part D plans.

Advantage OEP

Jan 1 – Mar 31, a window to switch or drop a Medicare Advantage plan.

Special (SEP)

Triggered by life events like moving or losing other coverage.

No pressure. No cost. Just guidance.

We're a local, licensed agency — not a national call center. We take the time to understand your needs and never push a plan that isn't right for you. Our help is free; we're compensated by the carriers.

Meet the agency →

Local & licensed

A Montana agent who knows the area's plans and providers.

Matched to you

We check your doctors and prescriptions against each option.

Here next year too

We review your plan each year as your needs and plans change.

Important: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Have questions about Medicare? Let's talk.