Our mission is to help every individual benefit fully from their Medicare coverage — without hidden costs, inflated fees, or unused benefits.

Our Health CostPlus process is simple, fair, and worry free.

Step 1: Identify your health needs.

Tell us what matters most — your doctors, prescriptions, and coverage goals.

Step 2: Connect with our team.

We’ll review your options together and match you with the best plans for your health goals.

Step 3: Enroll and stay supported.

We guide you through enrollment at no extra costs or fees, and we provide ongoing check-ins to ensure the plan is working for you.

Trying to understand Medicare? You’re not alone.

We explain the fine print so you can focus on what really matters — celebrating and living life.

  • Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period (IEP) lasts seven months—starting three months before your 65th birthday and ending three months after. You may qualify for earlier enrollment if you:

    • Receive Social Security Disability benefits

    • Are diagnosed with ALS (Lou Gehrig’s disease)

    • Have End-Stage Renal Disease (ESRD)

  • It depends. If you're still working and have health insurance through your employer (or your spouse's), you may not need to enroll in Medicare right away. But it’s important to understand how your employer coverage works with Medicare. In some cases, Medicare may become your secondary coverage. If your employer has fewer than 20 employees, Medicare may become primary, and delaying could lead to late penalties.

  • When it comes to Medicare, you have options. Original Medicare is the traditional federal program that includes Part A (hospital coverage) and Part B (medical coverage). In contrast, Medicare Advantage (Part C) is offered by private insurance companies as an all-in-one alternative to Original Medicare. Medicare Advantage plans cover everything included in Parts A and B, and most also include Part D prescription drug coverage along with additional benefits like dental, vision, hearing, and wellness programs.v

    • Part A – Inpatient/hospital coverage

    • Part B – Outpatient/medical coverage

    • Part C – Medicare Advantage: Combines Parts A, B, and usually D into a single plan offered by private insurers

    • Part D – Prescription drug coverage (standalone or included with Medicare Advantage)

  • Original Medicare (Parts A & B) does not cover routine dental, vision, or hearing services. That means no coverage for cleanings, glasses, or hearing aids.

    However—many Medicare Advantage plans do include coverage for these benefits. You can also purchase separate dental or vision insurance if you're staying on Original Medicare.

    We’ll help you find a plan that includes the benefits that matter to you.

  • Yes. You can make changes to your Medicare plan during certain times of the year:

    • Annual Open Enrollment: October 15 – December 7

    • Medicare Advantage Open Enrollment: January 1 – March 31

    • Special Enrollment Periods (SEPs): Triggered by life events such as moving, losing employer coverage, or other qualifying circumstances

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