Medicare education
Understand Original Medicare, Parts A and B, Medicare Advantage, Medicare Supplement insurance, and prescription drug coverage.
Personalized, independent guidance
Medicare support for every stage of your journey.
Whether you’re approaching 65, already enrolled in Medicare, or helping someone you care about, I can help make your coverage options easier to understand.
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How I can help
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Guidance built around your questions and needs.
Medicare decisions are personal. We’ll start with what matters to you, talk through your options, and take the process one step at a time.
Plan comparisons
Compare available Medicare Advantage, Medicare Supplement, and Part D options. Review premiums, out-of-pocket costs, provider networks, pharmacies, and prescription coverage.
Enrollment guidance
Understand enrollment windows, what information you may need, and the steps involved in applying for coverage.
Annual coverage reviews
Review your current coverage as benefits, costs, provider networks, prescriptions, or personal needs change from year to year.
Special Enrollment Periods
Explore whether a qualifying life event may give you an opportunity to make a Medicare plan change outside the usual enrollment periods.
Ongoing support
Get help understanding coverage questions and navigating next steps as your circumstances change.
Enrollment outside the usual windows
Could you qualify for a Special Enrollment Period?
A Special Enrollment Period (SEP) may allow you to join, switch, or drop certain Medicare Advantage or Medicare prescription drug plans outside the standard enrollment periods when specific circumstances apply.
There are different SEPs for different situations. The plans you can choose and the time you have to make a change depend on the event and your circumstances.
You move
You move to a new address outside your current plan’s service area, or to an area where you have new plan options.
You lose other coverage
You lose certain employer, union, or other qualifying health or prescription drug coverage.
Your Medicaid or Extra Help status changes
You gain, lose, or have a change in eligibility for Medicaid or Extra Help paying for Medicare prescription drug costs. Some situations allow more frequent plan changes than others.
You move into or out of an institution
Living in or recently leaving a nursing home or another qualifying institution may create a special opportunity to change coverage.
Your plan changes or ends
Your plan’s contract with Medicare ends, the plan is not renewed, or another qualifying plan-related event occurs.
Another qualifying situation applies
Some circumstances—such as qualifying for a Chronic Condition Special Needs Plan or certain exceptional situations—may provide a separate enrollment opportunity.
Important to know
SEP rules depend on the situation.
Not every life change creates a Special Enrollment Period, and an SEP does not always allow every type of Medicare change. The time window may be limited, and you may need documents to confirm what happened and when.
Special Enrollment Periods for Medicare Advantage and Part D are also different from the rules for enrolling in or changing a Medicare Supplement (Medigap) policy. Medigap rights and underwriting rules depend on your circumstances and state protections.
If you think you may qualify, it’s important to review the details before making a change. I can help you understand the questions to ask and compare available plan options. For official eligibility details, visit Medicare.gov’s Special Enrollment Period information or call 1-800-MEDICARE.
Independent Medicare guidance
Understand your options. Choose with confidence.
As an independent Medicare agent, I work with multiple insurance carriers and can help you compare available options based on your needs and priorities.
My approach starts with education, clear answers, and personalized support—not pressure. I’m here to help you understand your choices and feel more confident about your next steps.
Serving individuals in Colorado, Arizona, and New Mexico.
Have Medicare questions? Let’s talk.
Tell me what’s changing or what you’d like to understand. We can start with a conversation about your situation.
Contact Mikayla Or call 720-884-7563