Simplifying Medicare, One Step at a Time

If you’re confused by Medicare, you’re not alone. We meet with people every day who feel overwhelmed by all the letters, rules, deadlines, and decisions. That’s exactly why we created this page: to simplify Medicare in a way that makes sense for real people.


Whether you're getting ready to retire, already receiving Social Security, or just want to help a parent or spouse, we’ll help you break down the basics. Our guidance is local, personal, and based on official CMS resources.

Medicare Doesn’t Have to Be Complicated

Original Medicare Explained

Medicare is health insurance from the federal government for people 65 and older (and some under 65 with disabilities). The two main parts are Part A (hospital insurance) and Part B (medical insurance). These cover most basic medical needs, but not everything.

The Gaps in Coverage

Original Medicare doesn’t cover prescription drugs, dental, vision, or long-term care. That’s why many people choose to add a Part D drug plan, a Medigap policy, or a Medicare Advantage plan for broader coverage.

A woman is sitting at a desk holding a piece of paper.
An elderly couple is sitting on a couch talking to a man in a suit.

Your Medicare Choices

Most people either stick with Original Medicare and add a Medigap and Part D plan — or choose a Medicare Advantage plan (Part C) that bundles all coverage together. The best option depends on your doctors, prescriptions, and preferences. We help you compare everything clearly

We Explain Medicare in a Way That Makes Sense

You shouldn’t need a law degree to understand your health coverage. We break Medicare down step-by-step and in plain English.


We cover what each part does, how and when to enroll, and what to do if you're still working past 65. Whether you want to sit down with us one-on-one or start with a free Medicare Scholar class, we’ll help you understand it all with no pressure.


This is what we do every day — and we’re happy to help you, too.

Frequently Asked Questions

  • What are the parts of Medicare?

    Medicare is made up of Part A (hospital coverage), Part B (medical coverage), Part C (Medicare Advantage), and Part D (prescription drug coverage).

  • Do I need to enroll in Medicare if I'm still working?

    It depends. If you're working and have credible employer coverage, you may be able to delay Part B without penalty. We can help you determine the right timing.

  • What’s the difference between Medicare and Medicaid?

    Medicare is federal health insurance for people 65+ or with certain disabilities. Medicaid is a state-run program for those with limited income and resources.

  • Is Medicare free?

    Most people don’t pay a premium for Part A, but Part B and other parts of Medicare usually have monthly premiums. Additional plans like Part D or Medicare Supplement also have costs.