Licensed in Missouri, Kansas, Texas, Louisiana, and Arkansas
(913) 717-7340Missouri, Kansas, Texas, Louisiana, and Arkansas
Advantage, Supplement, and drug coverage are not interchangeable. We compare doctors, pharmacies, and prescriptions, then enroll you in the plan that fits.
The moving parts
Two structures. Not one stack of extras.
Original Medicare is Parts A and B. A Supplement helps with what those parts leave over. Drug coverage is a separate Part D plan. Providers who accept Medicare are in play.
Reviewed with an Advantage plan
Free class
Pick a class, leave your name, and watch it on this site. You can ask a question in the room. Signing up does not enroll you. If you want your own doctors and drugs checked, schedule an appointment from the same page.
What gets lined up
The clinics you want to keep, by name.
Each prescription, with the dose.
The counter you already use.
Where the plan is actually sold.
What we sit down with
The two builds
Both start from Medicare. They are not two prices for the same package. One bundles care into a private plan. The other keeps Original Medicare and adds a Supplement and a drug plan.
One contract
A private plan that includes Parts A and B, usually with prescriptions. Many add dental, vision, and hearing with an annual cap. You generally cannot add a Medigap policy to it.
Cancer, heart attack, stroke, and short-term care policies can sit beside this plan. Each one pays on its own terms. None of them replaces the medical coverage.
Three pieces
Original Medicare stays in place. A Supplement helps pay deductibles and the Part B 20 percent. A Part D plan covers prescriptions. You can see providers who accept Medicare.
Dental, vision, hearing, and the specified-disease plans are added only if you want them. The Supplement itself is for medical bills Medicare already recognizes.
The calendar
Opens in 2 days — October 15 through December 7, 2026.
Today
A Special Enrollment Period can open outside these windows — after you leave a job plan, move, or qualify for Extra Help. The marker is the calendar, not a promise that every plan is available.
After the medical plan
Families often ask about both in the same visit. Neither one is Medicare, and neither one pays doctor bills.
A smaller life insurance policy sized for a funeral, a burial, and the last bills. The premium is meant to be something you can keep. We’ll ask who the benefit is for and what is already in force before adding another policy.
How final expense worksAn annuity is a contract with an insurance company. Some are built to pay income later in retirement. We walk through the type, the timeline, and the fees before any money moves. It does not take the place of a health plan.
How annuities fitSide by side
They solve different problems. We compare the ones we’re appointed to offer where you live, then say plainly if a doctor or a drug doesn’t fit.
A private plan that includes Parts A and B, and usually Part D. You generally cannot add a Medigap policy to it.
A Medigap policy next to Original Medicare. You add a Part D plan for prescriptions.
Original Medicare by itself is Parts A and B. It is not drug coverage, and it does not cap what you can owe in a bad year. Most people add either an Advantage plan or a Supplement plus a Part D plan.
The review
A starting point
This isn’t a quote and it doesn’t see live plan data. It keeps the first conversation from starting in the wrong place.
Sort Parts A and B with Social Security, then decide whether Advantage or a Supplement fits inside the seven-month window.
Recheck doctors and drugs before last year’s plan renews itself.
Dates matter. So does what a spouse would lose if the group coverage stops.
Start the list for them. Keep them in the decision.
Individual and family coverage, dental, and benefits that are honest about what they are not.
The review is free. Bring your doctors and prescriptions, and we’ll match a plan and complete the application with you.
