Turning 65, retiring, or tired of surprise medical bills? Larry compares your options side by side, explains them in plain English, and helps you choose coverage that fits your doctors, your prescriptions, and your budget. The review costs you nothing.
The mailbox fills up. The TV ads never stop. Every company says its plan is the best one. Meanwhile, you're left guessing which combination actually covers your doctors and your prescriptions.
Larry cuts through the noise. He shows you how each piece works, what it costs, and where the gaps are, so you can make a confident decision instead of a rushed one.
Get My Free Review →Part A helps cover hospital stays. Part B helps cover doctor visits and outpatient care. It's the foundation, but it leaves gaps you pay out of pocket.
An all-in-one alternative offered by private insurers. Many plans bundle drug coverage and extras like dental, vision, or hearing. Networks and costs vary by plan.
Works alongside Original Medicare to help pay deductibles, copays, and coinsurance. Great for people who want predictable costs and the freedom to see any doctor who accepts Medicare.
Helps pay for your medications. Every plan has its own list of covered drugs, and that list can change each year. The wrong plan can cost you hundreds.
Miss your enrollment window and you could face late enrollment penalties on Part B or Part D that may stay with you for as long as you have coverage. Larry helps you get the timing right.
Some plans use networks. Before you enroll, Larry checks whether your doctors, specialists, and hospitals are in the plan, so there are no unpleasant surprises later.
Drug lists and pricing tiers differ from plan to plan and change every year. Larry runs your actual medications against your options to help you find the lower-cost fit.
Larry is paid by the insurance companies he represents. You pay nothing for his guidance, and working with him does not raise your plan premium.
A 7-month window around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Switch Medicare Advantage or Part D plans, or move between Original Medicare and Medicare Advantage. Changes start January 1.
Already in a Medicare Advantage plan? You get one chance to switch to another Advantage plan or return to Original Medicare.
Moving, losing employer coverage, or other qualifying life events can open a window to make changes outside the usual dates.
A one-time 6-month window that begins when you're 65 or older and enrolled in Part B. It's often the easiest time to get a Supplement plan.
Plans change every year. Premiums, drug lists, and doctor networks can all shift. The Annual Enrollment Period is your chance to make sure next year's plan still fits.
Review My PlanStill working past 65? Your employer coverage may change the rules on when to enroll. Talk with Larry before you decide, so you avoid gaps and penalties.
Tell Larry a little about your situation. He'll personally review your options and walk you through them, one on one, at your pace.
Larry will reach out within 24 hours to answer your questions.
Still have questions? Bring them to your free review. No pressure, no sales pitch.