Health Insurance & Medicare Planning

Whether you're planning for Medicare or need health insurance to bridge the gap, the choices can feel overwhelming.  Since healthcare expenses may be one of your largest household costs, leaving them out of your financial plan could be an expensive oversight. It's also important to remember that your healthcare needs can change from year to year, so it's essential to regularly review your coverage to ensure it aligns with both your health and financial goals. 

Medicare supplemental decisions are highly individualized. What works for one person may not be the best fit for someone else--and that can have a big impact on your out-of-pocket costs. Factors like deductibles, provider networks, and prescription drug coverage all play a critical role. Before selecting a plan, it's crucial to understand the basics. Once you're familiar with how Medicare is structured, you'll feel more confident in choosing the plan that suits your unique needs.

To get started, take some time to learn the basics: 

• Medicare Parts A, B, C, & D
   
• How Medigap plans work
   
• The differences between Original Medicare and Medicare Advantage

For a more comprehesive overview, check out Medicare and You for 2025 guide.

And for a more personalized understanding of how Medicare is structured, contact us for a free consultation! We're here to help!

 

Michael Patton is an independent broker certified with major insurers to offer Medicare supplement plans, Medicare advantage, and prescription drug plans.


Not yet ready for Medicare?

 




Michael Patton is certified on the Pennie health insurance exchange for those seeking coverage under the age of 65. Get in touch with us today to review your options.

*I do not offer every plan available in your area. Currently I represent 6 (8) organizations with 56 (63) products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. 

Prescription Drug Plans - Michael represents 6 out of 7 organizations / 17 out of 20 plans.
Medicare Advantage - Michael represents 6 out of 8 organizations / 56 out of  63 plans.