Medicare is not one product — it’s three separate decisions that sit on top of Original Medicare (Parts A & B). Getting the right combination for your specific health, doctors, and prescriptions saves real money and stops small surprises from becoming large ones.
The three Medicare decisions we help you make
- Medicare Supplement (Medigap) — Plans G, N, and others. Standardized plans that pay after Original Medicare. Same benefits across every carrier — the only thing that varies is price and customer service. If your doctors take Medicare, they take every Medigap plan.
- Medicare Advantage (Part C). Bundled alternative to Original Medicare that usually includes drug coverage, often includes dental/vision/hearing, and typically costs less monthly — but uses provider networks and has annual out-of-pocket maximums. Right for some situations, wrong for others.
- Part D Prescription Drug Plan (PDP). Layered onto Original Medicare + Medigap. We check your actual medications against every PDP’s formulary and preferred pharmacy network — the cheapest premium is often the most expensive plan for your specific prescriptions.
When to think about Medicare
- Turning 65 in the next 6–9 months — this is your Initial Enrollment Period. Get it right the first time; some choices are hard to undo later.
- Retiring & losing employer coverage — you have a Special Enrollment Period. We help you avoid the late-enrollment penalty.
- Annual Enrollment Period (Oct 15 – Dec 7) — the once-a-year window to switch Medicare Advantage or Part D plans. We do free plan reviews every fall for all our Medicare clients.
- Moving to Michigan — plan availability and pricing change by ZIP code. What you had elsewhere may not be the best fit here.
What a Medicare quote conversation looks like
We meet in person at our Livonia office, on the phone, or on Zoom — your choice. Bring a list of your prescriptions and the doctors/specialists you see. We run those through the actual carrier tools and show you the two or three plans that fit best, with a plain-English comparison of monthly premium, expected annual out-of-pocket, and network coverage. No commission talk, no pressure — the goal is you understanding what you’re buying and why.
Related reading: our Medicare Annual Enrollment Period cheat sheet.
Get your Michigan quote today
Talk to a local Livonia agent about your specific situation — no auto-quote engine, no upselling. We shop your policy across 15+ carriers and bring back the option that fits.