We provide personalized guidance on Original Medicare (Parts A and B), Medicare Advantage (Part C), Medicare Supplement (Medigap) policies, and stand-alone Prescription Drug Plans (Part D).

You can easily book a free, no-obligation consultation through our website or by calling our office. We offer flexible scheduling for in-person meetings, virtual consultations, and home visits.

Our consultations and ongoing support are free of charge. Caroline's compensation comes from insurance carriers, not consulting fees, so you only invest your time and attention.

Each year, we proactively review your current Medicare plan to assess changes in premiums, benefits, provider networks, and drug coverage. We then recommend adjustments to optimize your coverage and costs.

Absolutely. We specialize in guiding individuals approaching Medicare eligibility through the initial enrollment process, helping you avoid penalties and select the best plan for your needs.

Please bring your current list of medications, healthcare providers, any existing Medicare or insurance cards, and notes on your budget and health priorities. This helps us tailor recommendations precisely for you.

We help veterans understand how Medicare interacts with VA or TriCare benefits, advising on enrollment timing and plan choices to maximize access and minimize overlap.

Yes, we provide step-by-step support to navigate the transition from employer group insurance to Medicare, ensuring timely enrollment and avoiding coverage gaps or penalties.

Yes, we offer home visits to accommodate clients with mobility challenges or those who prefer in-person discussions in their own environment.

We analyze your medication list to recommend the most cost-effective Medicare Part D plan options, ensuring your prescriptions remain covered affordably and consistently.

We provide ongoing, personalized support beyond enrollment, including annual reviews and year-round advocacy. Our approach is educational, patient, and focused on building long-term relationships rather than quick sales.

Yes, we encourage family members or caregivers to join consultations, either in-person or virtually, to ensure everyone involved understands the Medicare options clearly.

Since Caroline is licensed in multiple states, we can guide you through updating your Medicare coverage to fit your new location, including enrolling in appropriate local plans during Special Enrollment Periods.

We walk you through each step of applying for Medicare Parts A and B, selecting Medicare Advantage or Medigap plans, and enrolling in Prescription Drug Plans, ensuring all paperwork is completed accurately and on time.

Yes, we help clients evaluate life insurance needs related to final expenses, income protection, and legacy goals, comparing policies from multiple carriers to find the right coverage.

We carefully consider your financial situation and help you select Medicare plans and life insurance options that provide necessary coverage without overextending your budget.

We assist clients throughout all Medicare enrollment periods including Initial Enrollment, General Enrollment, and Special Enrollment Periods, ensuring timely and accurate submissions to avoid penalties.

Yes, we provide clear, plain-language explanations of Medicare Advantage versus Medigap plans, detailing benefits, costs, provider networks, and how each may fit your health needs.

We offer year-round assistance answering coverage questions, interpreting Explanation of Benefits statements, resolving claims issues, and advising on plan changes as your circumstances evolve.