Navigating Medicare Can Feel Overwhelming — But You Don’t Have to Do It Alone
When clients come to me for Medicare guidance, one of the most common questions I hear is: “Should I choose Medicare Advantage or Medigap?” And the answer always depends on your unique situation — including your health needs, your budget, and where you live here in Arizona.

As a local, independent Medicare broker, I help you understand the differences between these plans and how they apply to your lifestyle. Together, we’ll find the plan that makes the most sense for you.

Understanding the Difference Between Medicare Advantage and Medigap
Medicare Advantage (Part C) plans bundle hospital (Part A), medical (Part B), and often prescription drug coverage (Part D) into a single plan. These are offered by private insurance companies and typically come with lower monthly premiums, but they do require you to use provider networks. You may also need referrals to see specialists.

In contrast, Medigap (Medicare Supplement) plans work alongside Original Medicare to help cover out-of-pocket costs like deductibles and copays. They offer more flexibility — you can visit any doctor nationwide who accepts Medicare — but the premiums are generally higher.

How These Plans Work in Arizona
If you live in Tucson, Green Valley, Sierra Vista, or anywhere else in Arizona, your available plans and provider networks will vary. I stay up to date on which Medicare Advantage plans offer strong networks and competitive benefits in your area. For many of my clients in Arizona, a local HMO or PPO might offer solid savings — but only if their doctors are in-network.

With Medigap, network worries aren’t an issue — but understanding the differences between Plan G, Plan N, and others is important. That’s where I come in.

Prescription Drug Coverage: One of the Biggest Cost Factors
Medicare Advantage plans usually include prescription drug coverage. With Medigap, you’ll need a separate Part D plan. I take time to review your prescriptions to make sure your medications are covered affordably — this step alone can save hundreds each year.

Enrollment Timelines and When to Act
There are key windows to enroll in Medicare:

• Turning 65? That’s your Initial Enrollment Period.
• Retiring or losing group coverage? That’s a Special Enrollment Period.
• Want to review or switch plans? Annual Enrollment is every year from Oct 15 to Dec 7.

I help you understand what timelines apply to you and make sure everything is submitted correctly and on time.

Local, Personalized Medicare Guidance — Just for You
Whether you’re in Nogales, Sahuarita, or anywhere in between, I offer personalized Medicare help for Arizona residents. I take the time to walk you through every option, explain everything in plain language, and make sure your coverage fits your life.

Let’s Find the Right Medicare Plan Together
If you’re looking for Medicare advice that’s personal, pressure-free, and backed by years of experience in Arizona, I’d love to help. Schedule a free consultation and let’s review your Medicare Advantage and Medigap options together — and make the right choice for your health and your future.