Understanding Your Options Starts Here

Medicare Simplified: Your Guide with Stacy Calloway

Navigating Medicare doesn’t have to be confusing. Whether you’re approaching your 65th birthday, considering a plan change, or exploring options for supplemental coverage, I’m here to help you every step of the way. Let’s find the plan that fits your needs and gives you confidence in your healthcare decisions.

What Is Medicare?

Medicare is a federal health insurance program for:

Individuals aged 65 or older.

Younger individuals with disabilities or qualifying health conditions.

It helps cover specific healthcare costs and is divided into parts:

  • Part A: Hospital insurance covering inpatient stays and some home healthcare.
  • Part B: Medical insurance for outpatient care, doctor visits, and preventive services.
  • Part C: Medicare Advantage Plans that combine Parts A, B, and sometimes D into a single plan offered by private insurers.
  • Part D: Optional prescription drug coverage.
  • Medicare Supplement (Medigap): Helps cover out-of-pocket costs not included in Original Medicare.

Why Work With Stacy Calloway?

Choosing the right Medicare plan can be overwhelming, but I simplify the process by:

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Breaking Down the Details:

I’ll explain the different parts of Medicare and how they apply to you.

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Tailoring Plans to Your Needs:

From Medicare Advantage to Supplement Plans, we’ll find what works for your lifestyle and budget.

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Providing Free Consultations:

Get the answers you need without any pressure or hidden fees.

Medicare Enrollment Made Easy

You can enroll in Medicare during specific periods:

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Initial Enrollment Period (IEP): 

This 7-month period includes the 3 months before your 65th birthday, your birthday month, and the 3 months after.

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Medicare Advantage Open Enrollment (Jan. 1 – Mar. 31): 

Switch plans or return to Original Medicare.

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Annual Enrollment (Oct. 15 – Dec. 7):

Make changes to your plan for the upcoming year.

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Special Enrollment Periods (SEPs):

Enroll outside regular periods due to qualifying life events like retirement or moving.

I’ll guide you through the timing and process to ensure you never miss an important window.

Medicare Advantage:

All-in-One Coverage

Medicare Advantage Plans (Part C) combine the benefits of Original Medicare with additional perks, such as:

  • Dental, vision, and hearing coverage.
  • Wellness programs.
  • Out-of-pocket cost limits.

Many plans even have a $0 monthly premium. Let’s explore whether a Medicare Advantage Plan is right for you.

Medicare Supplement Plans: Extra Coverage for Peace of Mind

Medicare Supplement Plans (Medigap) help cover costs that Original Medicare doesn’t, including copayments, deductibles, and coinsurance. These plans are ideal for:

  • Predictable healthcare costs.
  • Coverage across multiple states (perfect for frequent travelers).

We’ll review your options and ensure you’re fully protected.

Your Next Step

Ready to explore your Medicare options? Whether it’s your first time enrolling or you’re seeking a better plan, I’m here to make the process simple and stress-free.