Medicare & Medicaid
Turning 65? Better Call Bravo.
Medicare and Medicaid don't have to be confusing. We help you understand your choices, avoid costly penalties, and get set up with coverage that fits your health, your doctors, and your budget — at no cost to you.
Turning 65
Get it right the first time
Know your window
Your Initial Enrollment Period is 7 months: the 3 months before the month you turn 65, your birthday month, and the 3 months after. Missing it can mean lifelong late penalties.
Review your needs
We sit down with your doctors, prescriptions, budget, and any employer or retiree coverage you already have.
Compare & enroll
We lay out your options in plain English and help you enroll — then stay with you every year at Annual Enrollment (Oct 15 – Dec 7).
How we help
Every piece, explained
Original Medicare (Parts A & B)
Hospital and medical coverage from the federal government. We explain what it covers, and the gaps it leaves.
Medicare Advantage (Part C)
All-in-one plans that often include drug, dental, and vision benefits. We compare networks and costs side by side.
Medicare Supplement (Medigap)
Helps pay the deductibles and coinsurance Original Medicare leaves behind, so surprise bills stay small.
Prescription Drug Plans (Part D)
We check your actual prescriptions against plan formularies to find coverage that fits your medicines.
Medicaid & Dual Eligibility
If your income or assets are limited, you may qualify for Medicaid — or both Medicare and Medicaid. We help you understand eligibility and get set up.
Long-Term Care Planning
Medicare covers little long-term care. We help you plan ahead so care needs don't drain your savings.
Already on Medicare? Losing employer coverage?
Life changes like retiring, moving, or losing coverage can open a Special Enrollment Period. Call us for a free review of your current plan.