Get Medicare right the first time — the penalties for getting it wrong can last for life.

Carolyn compares plans in your zip code, maps your exact enrollment deadlines, and explains everything in plain English. The guidance is free — always.

Read the free Roadmap guide

2026 Medicare numbers you should know

$202.90/mo

Part B standard premium

$283/yr

Part B deductible

$1,736

Part A deductible per benefit period

$2,100

Part D out-of-pocket cap

How a free Medicare review with Carolyn works

We map your deadlines

Your Initial Enrollment Period is a 7-month window around your 65th birthday. If you're still working, delaying Social Security, or covered by a spouse's plan, the rules change — and this is where costly mistakes happen.
We compare your real options

Original Medicare plus a Supplement, or Medicare Advantage? Carolyn compares actual plans in your zip code against your doctors, prescriptions, and budget — not a one-size-fits-all pitch.
You choose, fully informed

You'll understand exactly what each option costs, what it covers, and what the trade-offs are. No pressure, no obligation, no cost for the guidance.
We review every year

Plans change annually. During Open Enrollment (October 15 – December 7), Carolyn checks whether your plan still fits — premiums, drug formularies, and networks all shift.

The four parts of Medicare, in one minute

Part A — Hospital

Inpatient hospital stays, skilled nursing, hospice. Most people pay no premium if they worked 10+ years.

Part B — Medical

Doctor visits, outpatient care, preventive services. Has no out-of-pocket cap on its own — a Supplement or Advantage plan can add one.

Part C — Medicare Advantage

All-in-one private plans, often with drug, dental, and vision benefits — with network restrictions to weigh carefully.

Part D — Prescription Drugs

Drug coverage with a $2,100 out-of-pocket cap in 2026. Enroll even if you take no medications — waiting triggers a permanent penalty.

Not receiving Social Security yet? You are NOT enrolled automatically.

This is the single most common — and costly — Medicare mistake. If you haven't started Social Security benefits, the government will not sign you up at 65. Miss your window, and the Part B late penalty adds 10% for every 12 months you waited — for as long as you have Part B.

One free call sorts out exactly where you stand. Book it here or call (804) 621-5959.

Want the full picture first? It's free.

The Complete Medicare Roadmap covers every enrollment window, penalty, plan type, and official contact number — in one page you can read at your own pace and share with anyone turning 65.

Open the free Medicare Roadmap

Your situation is specific. Your answers should be too.

Twenty minutes with a licensed advisor beats twenty hours of confusing websites. The call is free and there's no obligation.

Book my free call