I help people turning 65 and people working past 65 who will be retiring and losing employer coverage, as well as people already enrolled in Medicare, understand the rules and options so they can make an “informed decision”, avoid costly mistakes and get the MOST out of their Medicare benefits.

Protect Yourself from Enrollment Fraud

I help people with both options (Medigap OR Medicare Advantage)

There are significant “gaps” in Original Medicare coverage

Part A (Inpatient Hospital) has a deductible of $1,736 required for an Inpatient hospital stay – good for a 60-day benefit period only (can be charged over again).

Part B (Outpatient Medical) generally pays 80% of approved medical expenses leaving you responsible for 20%. The 20% is “uncapped” and can go forever and be catastrophic! Also, Original Medicare (Part A and Part B) does NOT include Prescription Drug coverage or dental, vision or hearing benefits. Please contact me to learn more about the two options to minimize the “gaps” (out of pocket costs) in Original Medicare.

Turning 65 in the next six months or maybe worked past 65 and will be losing Large Employer Coverage soon? You probably have the following questions:

• When do you need to enroll in Original Medicare Part A and Part B to avoid lifetime penalty
• How can you “delay” your Medicare enrollment and hold off paying the Part B monthly premium?
• Do you have to enroll in Original Medicare if you’re still working or on spouse’s Large Employer plan?
• What does Medicare Part A and Part B cover and how much does it cost?
• Does Medicare Part A and Part B cover prescriptions drugs, dental, vision and hearing benefits?
• Are you required to have prescription drug coverage after 65?
• What is the difference between Medicare Supplement (Medigap) and a Medicare Advantage (Part C) Plan?
• Are there really lifetime penalties if you don’t enroll in Medicare Part B and Part D when first eligible? (two exceptions)

I can answer all of these questions and more. I am passionate about helping my clients understand their Medicare options by explaining everything in simple terms!

Call and speak with a licensed insurance agent

(800) 754-9311

in Colorado (303) 929-9218

True Help Medicare is not connected with or endorsed by the U.S. government or the federal Medicare program.
We recommend viewing the video below from CMS (Center for Medicare and Medicaid Services)

Medicare Supplement (aka Medigap):

Medicare Advantage and Part D:

Ancillary plans and government forms:

Upcoming Educational Seminars in Colorado

TERMINATE PART B COVERAGE FORM 1763

in Colorado (303) 929-9218

My service is ALWAYS 100% free to you, the beneficiary.
As an independent Medicare advisor, I am unbiased.
I work for YOU not the insurance companies.

* We do not offer every plan in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

This is a solicitation of insurance. Your response may generate communication from a licensed insurance agent.