Confused About Medicare?
Let Us Help Choose the Right Plan for You.
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Licensed advisors ready to guide you through your options.
No cost. No obligation.
How I Can Help You
Step 1: Schedule an Appointment
Simply reach out to me and schedule a time that works for you. I offer flexibility for in-person, phone, or virtual consultations.
Step 2: Find the Best Plan for You
During our meeting, I'll walk you through the different Medicare plans and help you understand what fits best for your needs and goals.
Step 3: Receive the Best Care
Once we find the best plan for you, I'll ensure you're supported every step of the way. I’m available 24/7 to help with any needs or questions you may have.
When you work with me, you're working with a real person who is genuinely here to serve you—not a call center or robot. I'm committed to your success and satisfaction throughout the entire process!
What is Medicare?
Medicare is a federal health insurance program for:
- People aged 65 and older
- Individuals under 65 with certain disabilities
- People with End-Stage Renal Disease (ESRD)
Medicare Parts
Part A (Hospital Insurance)
- Helps pay for inpatient care in hospitals
- Includes critical access hospitals and skilled nursing facilities
- Covers hospice care and some home health care
Part B (Medical Insurance)
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment (e.g., wheelchairs, walkers, hospital beds)
- Many preventive services (e.g., screenings, vaccines, annual “Wellness” visits)
Part D (Drug Coverage)
- Helps cover the cost of prescription drugs
- Includes many recommended shots or vaccines
- Available through a Medicare drug plan or Medicare Advantage Plan with drug coverage
- Plans are run by private companies following Medicare rules
Medicare Supplemental Insurance (Medigap)
- Extra insurance from a private company
- Helps pay your share of costs in Original Medicare
- Standardized policies, often named by letters (e.g., Plan G, Plan K)
- Benefits are the same regardless of provider
Your Medicare Options
When you first sign up for Medicare and during certain times of the year, you can choose your coverage. There are two main options:
Original Medicare
- Includes Part A and Part B
- Optional Medicare drug plan (Part D) available separately
- Use any doctor or hospital that accepts Medicare in the U.S.
- Option to purchase supplemental coverage to help pay out-of-pocket costs
Medicare Advantage (also known as Part C)
- Offered by Medicare-approved private companies
- Includes Part A, Part B, and usually Part D
- Often limited to doctors in the plan’s network
- Different out-of-pocket costs compared to Original Medicare
- May include extra benefits not offered by Original Medicare
- Plans may require additional premiums
When to Enroll?
Initial Enrollment Period (IEP):
The IEP includes your 65th birthday month, the 3 months before and the 3 months after your 65th birthday.
Annual Enrollment Period (AEP):
The AEP is from October 15 - December 7 every year.
General Enrollment Period (GEP):
The GEP is from January 1 to March 31 every year.
Special Enrollment Periods (SEP):
The Medicare Special Enrollment Period is a time that allows a participant to switch plans or sign up for Medicare outside of the traditional enrollment timeline. The two types of triggers for a SEP — a qualifying life event or working past age 65 — must be examined closely to consider the criteria for enrollment and what type of plan changes can be made.
Common Mistakes
Missing the Initial Enrollment Period (IEP):
If you don't sign up when you're first eligible (usually around age 65), you could face lifetime late enrollment penalties for Parts B and D.
Not Signing Up for Part D (Prescription Drug Plan)
Even if you don’t take prescriptions now, skipping Part D can lead to late penalties and gaps in drug coverage.
Assuming Medicare Covers Everything
Medicare does not cover dental, vision, hearing aids, long-term care, or care outside the U.S.
Choosing the Wrong Plan Without Comparing Options
People often stay on Original Medicare or pick a Medicare Advantage Plan without comparing costs, coverage, networks, or drug formularies — which can result in higher costs or fewer benefits.
Not Reviewing Your Plan Annually
Plans and personal needs change. Failing to review during the Annual Enrollment Period (Oct 15 – Dec 7) can lead to higher costs or lost coverage.
Thinking Medigap and Advantage Plans Can Be Combined
You CANNOT use a Medicare Supplement (Medigap) policy with a Medicare Advantage Plan. It’s one or the other.
Relying on Non-Creditable Employer or Retiree Coverage
Some employer/retiree plans don’t count as “creditable” coverage under Medicare rules. This can lead to penalties later if you delay enrollment.
Enrolling Without Understanding Network Restrictions
Some Medicare Advantage Plans have limited networks. You may not be able to see your preferred doctors or specialists without referrals or extra costs.
Not Understanding the Difference Between Parts A, B, C, and D
Confusion over what each part covers can lead to incomplete or incorrect coverage.
Missing a Special Enrollment Period (SEP)
Life events like retiring, moving, or losing other coverage can trigger SEPs. Missing them may mean gaps or penalties.
Choosing a Plan Based on a Friend’s Recommendation
Plans vary based on location, health, and medications — what works for one person may not work for you.
Assuming Medicare Is Free
While Part A is usually free, Part B has a monthly premium, and Advantage, Medigap, and Part D plans can all have costs.
About Me
Hi, I’m Julius Nguyen, a licensed Medicare specialist. I help simplify the Medicare process and guide you with care and clarity.
I serve clients across AZ and WA and am always happy to meet in person, over the phone, or virtually—whatever works best for the client. I take pride in helping individuals understand the ins and outs of Medicare, from Medicare Advantage and Supplement plans to Prescription Drug coverage and beyond.
When I’m not working, I enjoy spending time with family, exploring local food spots, playing sports, and cycling. My goal is simple: to treat every client like family and make sure they feel supported every step of the way.
Contact Me
Frequently Asked Questions
Most people should enroll around their 65th birthday. Delaying can lead to penalties.
Advantage plans replace Original Medicare; Medigap supplements it. Both have pros and cons.
Yes, to avoid penalties and ensure coverage if your needs change.
Part A is usually free; Part B has a monthly premium. Other parts vary by plan.
Yes, during AEP (Oct 15 - Dec 7) or if you qualify for a SEP.