Medicare

Medicare Planning Made Simple

Unbiased Guidance to Choose the Right Coverage

Choosing the wrong Medicare plan—or missing deadlines—can be costly. We offer personalized Medicare support that fits your financial plan, your health needs, and your retirement timeline. As a licensed Medicare insurance agent in Utah, I provide unbiased support that’s aligned with your full financial picture.

Understand Medicare’s Financial Impact:

Learn how IRMAA, premiums, and tax implications affect your cash flow

Avoid Common Mistakes:

Prevent enrollment errors or gaps in coverage with tailored advice

Compare Plans:

Get clear comparisons between Medicare Advantage and Supplement plans, including what’s covered and what’s not

Answer Questions:

As a licensed Medicare insurance agent in Utah, I provide unbiased support that’s aligned with your full financial picture.

Your Medicare Coverage Choices, Explained

When you first sign up for Medicare, you’ll have two main paths to choose from. Understanding these options is key to finding the plan that works best for your health needs and your financial plan.

Option 1:

Original Medicare
(Parts A & B)

This includes Parts A and B.

Part A

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

Part B

Covers doctor visits, outpatient care, preventive services, and some medical equipment.

With Original Medicare
I recommend adding:

A Medigap (Supplement) Plan to help pay deductibles, copays, and coinsurance.

A Part D Prescription Drug Plan to cover medications.

Option 2:

Medicare Advantage
(Part C)

Combines Part A, Part B, and usually Part D prescription coverage in one plan.

Offered by private insurance companies approved by Medicare.

Often includes extra benefits like dental, vision, hearing, and fitness programs.

You’ll typically use a provider network (like an HMO or PPO).

Which Path is Right for You?

Original Medicare + Supplement: Often better for those who want flexibility to see any doctor nationwide who accepts Medicare, and want to limit out-of-pocket costs.

Medicare Advantage: Often more budget-friendly upfront, with added benefits, but care is usually limited to a provider network.

Resources to Support Your Retirement Journey

Medicare.org Guide Medicare & You - Download PDF

Medicare Cost & Coverage Summary Download PDF

Medicare: 5 Simple Steps Download PDF

Need help making sense of it all? We’ll walk through these together and build a plan that works for you.

Let's Plan for the Retirement You Deserve

Whether you’re navigating retirement decisions for yourself or helping your parents plan with confidence, we’ll help you coordinate all the moving parts—Medicare, Social Security, tax planning, and income strategies—into one clear plan.

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