Navigate Medicare with Confidence

Your first chance is the 7-month Initial Enrollment Period around your 65th birthday, which spans the 3 months before your birthday month, your birthday month, and the 3 months after. After that, the Annual Enrollment Period each fall (October 15 to December 7) lets you change Medicare Advantage and Part D plans. Special Enrollment Periods open after certain life events, such as losing employer coverage or moving.

Medicare Advantage (Part C) is a private plan that bundles Part A, Part B, and usually Part D drug coverage into one plan, often with extras like dental and vision, in exchange for using the plan network. A Medicare Supplement works alongside Original Medicare and pays your share of costs like coinsurance and deductibles, letting you see any provider who accepts Medicare. Minnesota structures its Supplement plans as a Basic plan and an Extended Basic plan rather than the lettered plans used in most states.

No. Our Medicare guidance is free to you. Agents are compensated by the insurance companies, and your premium is the same whether you enroll on your own or with our help. There is no fee and no markup for working with us.

The coverage gap is a phase in Part D prescription drug plans where your cost-sharing can change after you and your plan have spent a certain amount on covered drugs during the year. The exact thresholds and rules are set annually. Because every plan and drug list is different, we review your specific medications so you understand what you would pay throughout the year.

Yes. Most people can change their Medicare Advantage or Part D plan during the Annual Enrollment Period each fall, with changes effective January 1. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period (January 1 to March 31) allows one additional switch. We recommend reviewing your plan every year, because plans update their costs and coverage annually.