Full Disclosure Insurance Agency
Protecting What Matters
Life Insurance • Final Expense • Medicare • Covered California • Mortgage Protection • Long-Term Care
Retired Law enforcement
30 + Years Private Investigator
We investigate every option so you can make confident decisions about Medicare, Life Insurance, Final Expense, Mortgage Protection, and Long-Term Care.
Investigative. Independent. Client Focused
In-depth Breakdown of Medicare Guidance Options
Medicare Advantage (Part C): A comprehensive all-in-one alternative to Original Medicare, these plans bundle Part A, Part B, and typically Part D coverage. Managed by private insurers, they often include additional benefits such as wellness programs and routine care.
Medicare Supplement (Medigap): Specialized policies designed to fill the financial gaps in Original Medicare coverage. These plans help cover out-of-pocket costs such as copayments and deductibles, offering enhanced transparency for your healthcare spending.
Prescription Drug Coverage (Part D): Critical insurance managed by private companies to help offset medication costs. Each plan provides a searchable list of covered medications or formulary, ensuring you have the expertise needed to choose valid coverage.
The Essential Medicare Enrollment Guide
Navigating the transition to Medicare is a critical milestone. Follow this roadmap to understand your options, timelines, and avoid lifetime penalties.
01
Initial Enrollment Window
Your 7-month window begins 3 months before your 65th birthday month. Missing this can lead to permanent Part B and D penalties.
02
Original Medicare Setup
Enroll in Part A (Hospital) and Part B (Medical). Part A is usually premium-free, while Part B has a standard monthly cost.
03
Supplemental Selection
Decide between a Medicare Advantage Plan (Part C) or a Medicare Supplement (Medigap) to cover out-of-pocket gaps.
04
Prescription Coverage
Choose a standalone Part D Drug Plan. Always evaluate based on your current medications for the lowest annual cost.