Service

Medicare Advantage

Most coverage for the least out-of-pocket — for most of the seniors I talk to.

What it is

The plain-English version.

Medicare Advantage — also called Part C — is a private health plan that bundles your Medicare Part A (hospital), Part B (medical), and usually Part D (drugs) into one plan, often with extras like dental, vision, hearing, and gym memberships included. When drug coverage is built in (and on most Advantage plans, it is), the plan is technically called an MAPD — Medicare Advantage Prescription Drug.

You still have Medicare. You're just getting your benefits through a private carrier instead of directly through the government — which usually means lower monthly premiums, a single ID card, and one carrier to call when something needs sorting out.

The trade-off: Advantage plans use networks. You'll generally want to stay in-network for the lowest cost. For most of the seniors I work with, the network covers the doctors they already see — and the savings on premiums and out-of-pocket costs make it the right call.

Who it's for

Probably you, if any of these sound familiar.

Anyone aging into Medicare at 65 who wants comprehensive coverage in a single plan.
Seniors who value low or zero monthly premiums.
Folks who want dental, vision, and hearing rolled in without buying separate policies.
People whose preferred doctors are already in a carrier’s network.
Those who appreciate predictable copays and a single ID card.

How I Help With It

In John’s own words.

“I own a Medicare Advantage plan. So does my wife. So do most of my closest friends. I picked it for them and I picked it for me — same standard.”

“When you call, I'll pull every plan available in your zip code and walk you through them side-by-side: monthly premium, out-of-pocket max, your doctors, your prescriptions, the extras that actually matter to you. Then I tell you straight which way I'd go.”

“When something comes up later — a claim that gets denied, a doctor who suddenly says 'we don't take that anymore,' the annual notice that the plan is changing — you call me. I sort it out.”

— John F. Morrison

FAQ

About Medicare Advantage

Will I still have Medicare if I enroll in an Advantage plan?

Yes. You still pay your Part B premium and you still have Medicare. The Advantage plan is just how you receive your benefits — through a private carrier instead of directly from CMS.

Are my doctors in the network?

That's exactly the question I ask first. Before I recommend any plan, I check your doctors and your prescriptions against every plan available in your area. If your doctors aren't covered, that plan doesn't make the shortlist.

What if I want to switch back to Original Medicare later?

You can — Medicare gives you two windows each year (Annual Enrollment from October 15 to December 7, and Medicare Advantage Open Enrollment from January 1 to March 31). I'll explain your options at the right time.

Are dental and vision really included?

Most Advantage plans include them, yes — though the depth of coverage varies. We'll look at the exact dollar amounts, the exam frequencies, and the network for each plan when we compare.

How much does it cost to work with you?

Nothing. The carriers pay me when you enroll, and that compensation is built into the same plan price you'd pay going directly to them. You get the help without paying extra.

Medicare Compliance Notice

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.

Where I’m licensed