Medicare Plans
Medicare Made Simple for Michigan Seniors
Turning 65 or approaching Medicare eligibility? We're CMS-certified Medicare advisors who help you understand every option and enroll in the plan that's right for you — at no cost to you.
Understanding Your Medicare Options
Medicare has multiple parts, and choosing the wrong combination can cost you thousands of dollars a year. As an independent Medicare advisor, we compare plans across multiple carriers to find the best coverage for your specific doctors, medications, and budget.
Medicare Plan Options
Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare offered by private insurers. Often includes prescription drug coverage, dental, vision, and hearing benefits.
Best for: Those wanting comprehensive coverage in one plan, often with $0 premiums
Medicare Supplement (Medigap)
Fills the gaps in Original Medicare — covering copays, coinsurance, and deductibles. Works alongside Parts A and B for predictable out-of-pocket costs.
Best for: Those who want freedom to see any Medicare-accepting doctor nationwide
Medicare Part D (Prescription Drugs)
Standalone prescription drug coverage that works with Original Medicare or a Medigap plan. Covers a wide range of brand-name and generic medications.
Best for: Anyone on Original Medicare who needs prescription drug coverage
Dual Eligible Special Needs Plans
Plans for individuals who qualify for both Medicare and Medicaid. Coordinates benefits from both programs for comprehensive, low-cost coverage.
Best for: Low-income seniors who qualify for both Medicare and Medicaid
Medicare Enrollment Periods
Initial Enrollment Period (IEP)
Begins 3 months before your 65th birthday month and ends 3 months after. This is your first opportunity to enroll in Medicare.
Annual Enrollment Period (AEP)
October 15 – December 7 each year. You can switch Medicare Advantage or Part D plans, and changes take effect January 1.
Special Enrollment Period (SEP)
Triggered by qualifying life events such as losing employer coverage, moving, or changes in Medicaid eligibility.
Medicare Advantage Open Enrollment
January 1 – March 31 each year. If you're already in a Medicare Advantage plan, you can switch to another MA plan or return to Original Medicare.
How We Guide You Through Medicare
Review Your Current Coverage
We assess your doctors, prescriptions, and health needs to understand what matters most to you.
Compare All Available Plans
We compare Medicare Advantage, Supplement, and Part D plans available in your Michigan zip code.
Explain Every Option Clearly
We walk you through costs, networks, and benefits in plain language — no pressure, no rush.
Enroll & Follow Up
We handle enrollment paperwork and check in annually to make sure your plan still fits your needs.
Medicare Marketplace
Easily find an affordable Medicare plan
Compare Medicare Advantage, Medigap, and Part D plans online — guided by your licensed Michigan Medicare advisor.
Ready to Find Your Medicare Plan?
Our Medicare consultations are completely free. We're paid by the insurance carriers — never by you.
Schedule a Free Medicare ReviewWe 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 (TTY: 1-877-486-2048), 24 hours a day/7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program.