Trusted Insurance Advisor

Medicare & Medicare Advantage | Chris A Roth
Medicare & Medicare Advantage

Make Sense of Medicare, Medicare Advantage & Part D

Whether you’re turning 65, already on Medicare, or reviewing your options during Open Enrollment, this Medicare assessment helps you find coverage that fits your doctors, prescriptions, and budget.

  • Compare Original Medicare, Medicare Advantage, Part D, and Medigap side by side.
  • Check if your doctors, hospitals, and preferred pharmacies are in-network.
  • Review how your prescriptions are covered across different drug plans.
  • Understand enrollment periods so you can avoid penalties and missed deadlines.

No obligation — just clear, straightforward help reviewing your Medicare options so you can feel confident about your decisions.

What You’ll Get from Your Medicare Review

In a brief conversation and quick review of your situation, we’ll narrow down your Medicare options and identify plans that align with your doctors, medications, and budget.

  • A simple summary comparing Medicare Advantage, Part D, and (where appropriate) Medigap plans.
  • Clarity on premiums, copays, out-of-pocket maximums, and network rules.
  • Insight into how your prescriptions are covered and what they may cost you.
  • Independent guidance focused on your needs, not a single insurance company.
Request My Medicare Plan Review

Once you complete the short online form, I’ll personally review your information and follow up with options tailored to your coverage needs and comfort level with costs.

Why It Matters

The Right Medicare Choice Can Save Money and Stress

Medicare isn’t one-size-fits-all. The choices you make about Medicare Advantage, Medigap, and Part D can affect what you pay, which doctors you can see, and how much you spend on prescriptions every year.

Protect Yourself from Large Medical Bills

Original Medicare has deductibles, coinsurance, and no hard cap on many out-of-pocket costs. The right combination of coverage can help limit what you pay if something serious happens.

Keep the Doctors and Hospitals You Trust

Medicare Advantage plans use networks, and even some specialists may not accept certain plans. We’ll look for options that work with your preferred doctors and hospitals whenever possible.

Manage Prescription Drug Costs

Prescription coverage under Part D and many Medicare Advantage plans can vary widely. We’ll review how your specific medications are covered so you can avoid costly surprises at the pharmacy.

You worked hard for your retirement. A thoughtful Medicare review helps protect your health and savings — so you can spend more time enjoying life and less time worrying about medical bills.
How It Works

A Clear, Step-by-Step Medicare Review

Instead of trying to figure out Medicare on your own or sitting on hold with a call center, we’ll walk through a simple process that puts your doctors, prescriptions, and preferences first.

  • Complete the short online form. Share your current coverage (if any), list of medications, preferred doctors, and pharmacies using my secure GHL form.
  • I review your Medicare options. I compare Medicare Advantage, Part D, and Medigap options in your area to see which plans best match your needs.
  • We go through your top choices together. We’ll review premiums, copays, networks, and drug coverage in plain English so you can see the trade-offs clearly.
  • You enroll with confidence. When you’re ready, I’ll help you take the next steps so you don’t miss key enrollment periods or overlook important details.
Who This Is For

• People turning 65 in the next 6–12 months
• Those already on Medicare reviewing coverage for AEP/OEP
• Retirees leaving employer coverage and moving to Medicare
• Individuals on disability transitioning to Medicare eligibility

Why Work with Chris?

As an independent advisor, I’m not tied to one insurance company. My role is to help you understand your choices, avoid common Medicare mistakes, and choose coverage that fits how you actually use healthcare.

What We’ll Review

Key Questions Your Medicare Assessment Will Answer

By the end of your review, you should know which type of Medicare coverage makes the most sense for you, what it may cost, and how it will work with your current doctors and prescriptions.

What Will My Total Costs Look Like?

We’ll look at premiums along with copays, coinsurance, and out-of-pocket maximums so you understand both monthly and worst-case costs under each option.

Are My Doctors and Hospitals Covered?

We’ll check provider networks and participation, especially with Medicare Advantage plans, to help you keep the doctors and facilities you prefer whenever possible.

How Are My Prescriptions Covered?

We’ll review how your medications are covered under Part D or Medicare Advantage drug plans, including tiers, preferred pharmacies, and potential cost-saving alternatives.

Client Experiences

How a Medicare Review Helped Other Clients

These examples show how taking a little time to review Medicare options can make a big difference in confidence, cost, and access to care.

“I was completely overwhelmed by all the Medicare Advantage mail I was getting. Chris broke it down into a few clear choices and helped me pick a plan that kept my doctor and lowered my copays.”

— Linda S.
New to Medicare · Age 65

“My husband and I were paying too much for prescriptions. After our review, Chris found a drug plan that covered the same medications at a fraction of what we were paying before.”

— Robert & Elaine M.
Retired Couple · Ages 71 & 73

“I didn’t understand the difference between Medigap and Medicare Advantage. Chris walked me through both and helped me choose what fit my health and travel plans best.”

— James T.
Frequent Traveler · Age 68
Everyone’s Medicare situation is different. Your Medicare assessment is built around your doctors, prescriptions, budget, and lifestyle — not a one-size-fits-all recommendation.
Questions

Medicare & Medicare Advantage FAQs

What’s the difference between Original Medicare and Medicare Advantage?
Original Medicare is administered by the federal government and generally lets you see any provider that accepts Medicare. Medicare Advantage plans are offered by private insurance companies, often include extra benefits, and use provider networks. We’ll look at how each option fits your needs.
Do I need a separate drug plan?
If you choose Original Medicare, you’ll typically need a separate Part D prescription drug plan. Many Medicare Advantage plans include drug coverage. As part of your review, we’ll see which approach is better for your situation and prescriptions.
When can I enroll or make changes?
There are specific enrollment periods, including your Initial Enrollment Period around age 65 and the Annual Election Period (AEP) each fall. Some life events may qualify you for a Special Enrollment Period. We’ll discuss which dates apply to you so you don’t miss important windows.
Will my health conditions affect my options?
In many cases, Medicare Advantage plans accept people regardless of pre-existing conditions. Medigap plans may involve health questions outside of your initial guaranteed-issue window. During your review, we’ll talk through how your health history may, or may not, impact your choices.
Is there a fee for your help with Medicare?
No. There’s no direct cost to you for my guidance. I’m compensated by the insurance carriers when I help you enroll in a plan, so you get personal help comparing options without paying an additional fee.

Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information provided is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Ready to Confidently Choose Your Medicare Coverage?

Request your Medicare assessment today and get clear, independent guidance on Medicare, Medicare Advantage, and Part D options so you can protect both your health and your retirement savings.

Get My Medicare Assessment