Medicare Planning

Do you Need help signing up for MedicareContact Us

What Medicare Covers Medicare Original

Under 65:

  • Disabled and eligible for Medicare

65 Eligible:

  • Turning 65 in the next 6 months?  You can enroll in a Medicare Advantage plan (Part C) or Medigap plan up to three months before your 65th birthday, and three months after your birth month as long as you have ‘turned on’ Parts A & B.
  • Enroll in Part A only or both Part A & B      {without Social Security Benefits}
  • HELP!! What is my application status??  CLICK

Retiring over 65:

  • To avoid the Part B penalty, you should start Part B within 63 days of leaving your employer health plan.
  • Enroll in Part B only; Part A already started.    {without Social Security Benefits}

Veteran Benefits:

  • If you are eligible for VA or military benefits, you can also enroll in a Medicare plan.  However it may not be advantageous to do so.  Please contact us to see if you qualify or if it is right for you.

Let’s Get Stared!!

Medicare Costs worksheet

Click below your average number of Doctor visits in a year?

Medicare Insurance Plans 

Supplemental Insurance “Medigap” carriers: Click here

  • Covers 20% not covered by Medicare
  • No network
  • Optional riders for Part A deductible, Excess B Charges, and Preventative
  • Compare Medigap Plans
  • Medigap Brochure

Medicare Advantage (Medicare Replacement) plans: Click here

  • PPO, HMO Include Part D, most offer dental and vision and hearing benefits, Fitness benefit, OTC, and more

PDP or Part D Plans:

  • Pharmacy and medicine coverage

Quick Links to Carriers

Aetna Allina

Aetna Supplements



Aetna Allina Medicare Advantage Plan with Part D

Aetna Allina Medicare Advantage Plan only


Reimbursement forms


United Healthcare

United Healthcare Supplements - 'Medigap'

United Healthcare Medicare Advantage Plan with Part D

United Healthcare Medicare Advantage Plan only

Over-the-Counter - $50 credit per quarter to use on approved OTC products. Order online, over the phone, or by mail through your Health & Wellness Products Catalog.

Blue Cross Blue Shield

Supplements 'Medigap' Documents 

MAPD - Medicare Advantage Plan with Part D

MA - Medicare Advantage only

OTC - Over-the- Counter


Supplements - 'Medigap'

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC - Over-the-Counter


Supplements - 'Medigap'

Medicare Advantage Plan with Part D



Supplements - 'Medigap'

Medicare Advantage Plan with Part D

OTC - Over-the-Counter


Supplements - 'Medigap'

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC - Over-the-Counter

Quotes/Enrollment: Click here


Medi-Share Carrier at Lifestyle Advisors  Brochure

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment

Wellcare PDP

Wellcare offers affordable Formulary coverage to go with Medicare Original and a Medicare Supplement.

Learn More Wellcare


“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 or 1-800-MEDICARE to get information on all of your options.” 

ABOUT US: We take the time to analyze all of your health care entitlements, insurance, and cash options. We work with you to create a health care strategy that you can live with and feel good about. Schedule a Call.

Click for the Annual Medicare Handbook:  Medicare and You.

Before every meeting a generic-scope-must be completed (not my rules) SCOPE of APPOINTMENT

Print only  Page 1, Sign and PLEASE image back to me (scan, take picture with your phone, etc) THANK YOU!


Shop Health Services.

Procedure Price lookup.  This is the allowable amount Medicare insurance will pay for a procedure.

Hospital Cost Look Up

Questions about your situation?  Schedule time

Medical Cost Sharing Worksheet. MCS Education 2023

Healthy Assessment  PDF

Scope of Appointment PDF

Medicare-Education worksheet

No Insurance, No Problem, Pay as you-Go  or Shop your insurance benefits here!

Need a Lab?  Try for most or all your blood/urine testing.

Results can be sent you and the physician.  Shop Labs at your doctor's office!

 Local Lab services:

Shop Medicine prices.

GoodRx logo WEBSITE

Blink Health RX look up for the best price.


Mark Cuban Pharmacy

Patient Assistance HERE 

Shop Doctors.

JoinTheWedge  - Find local Independent Doctors

PHCS  - non-insurance Network

SEDERA Referral Map   -  Find independent providers nationwide.

Provider Exchange.

Shop Health Insurance.

MNSure  Assister ID  5503492

Federal Marketplace HealthSherpa

 Health Insurance Rate Review Link

Shop Dental Insurance.

Delta Dental (
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

Health Matching Account


There is Help to Pay Medical and Dental Expenses.

Not qualified for a Health Savings Account? Here is another way to pay for out-of-pocket medical expenses including dental, vision, RX, deductibles, IUAs, co-pays and much much more.

HMA – Health Matching Account Services

The HMA® (Health Matching Account) is the ultimate medical benefit savings account available and will help our customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time. 

Learn more about HMA Prepaid Medical Claims Visa Card


Life Insurance

Have insurance needs? We broker most Insurance carriers for:

  • Annuities
  • Life Insurance
  • FINAL EXPENSE Insurance
  • Disability Income – Short and Long Term
  • Supplemental and Ancillary
  • Long Term Care