Confused by Medicare? We'll Make It Simple — At No Cost to You.
Medicare
Turning 65 or in your Annual Enrollment Period (Oct 15 – Dec 7)? Every year, plans change — premiums, drug coverage, and provider networks can all shift without notice. As your local independent broker in Greenfield, I'll personally review your options across every major carrier and make sure you're not overpaying or missing coverage you need. It costs you nothing, and it takes one 15-minute call.
Navigating Medicare can be confusing with its many parts and ever-changing plans. As a local Medicare broker here in Greenfield, we can simplify this process. They explain your options, compare plans based on your needs, and answer your questions. This personalized guidance helps you make informed decisions and choose the best Medicare coverage for your health and budget, providing peace of mind during retirement.
Our services include: One on one guidance for questions and enrollment, Annual reviews on your Medicare Advantage plans, Medicare Supplements, and Prescription Drug Plans (Part D), free plan comparisons. So if you are looking for a Medicare agent near me, we are here to help.
Sometimes with everything we have going on we can feel overwhelmed. Having some guidance is never a bad thing. Download our Medicare Essential Guide to help in your decision process.
Defender Financial Group is dedicated to making Medicare choices as easy to understand as possible
Frequently Asked Questions
How much does Medicare cost?
Most people pay $0 for Part A. In 2026, the standard Part B premium is $202.90/month. Depending on the plan you choose, your additional costs can vary widely — which is exactly why a free plan comparison with us can save you hundreds of dollars a year.
When is the best time to sign up for Medicare?
Your Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after. Missing this window can result in lifetime late penalties — so timing matters. We'll make sure you never miss your window.
Can I keep my current doctor if I switch to Medicare?
It depends on the type of plan you choose. With a Medicare Supplement, you can see any doctor in the country that accepts Medicare — no referrals needed. Medicare Advantage plans use networks, so your current doctor may or may not be included. Before you enroll in anything, we check to make sure your doctors are covered.
Do I really need a Medicare broker, and what does it cost me?
Working with us costs you absolutely nothing. As a licensed independent broker, we're paid by the insurance carriers — not by you. That means you get one-on-one guidance, free plan comparisons, and annual reviews with zero out-of-pocket cost. There's no reason not to call.
Proudly Serving Seniors Across 14 States
No matter where you live, expert Medicare guidance is just a phone call away — always free of charge.
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Ready to find the right Medicare plan for you?
Licensed Agent IN #410409 · Licensed in all 14 states above
Original Medicare (Parts A & B)
Original Medicare is the federal health insurance program that serves as the foundation for your coverage. Part A covers inpatient hospital stays, skilled nursing facility care, and hospice, while Part B covers outpatient medical services like doctor visits, lab tests, and preventive screenings. For 2026, most retirees pay a standard Part B premium of $202.90 per month, though this can be higher based on your income.
Quick Fact for 65+: If you are already receiving Social Security benefits when you turn 65, you are typically enrolled in Parts A and B automatically; if not, your Initial Enrollment Period begins three months before your 65th birthday month.
Medicare Advantage (Part C)
Medicare Advantage is an "all-in-one" alternative to Original Medicare provided by private insurance companies. These plans bundle Parts A, B, and usually Part D (prescription drugs) into a single package, often including extra benefits like dental, vision, and fitness memberships. While these plans use provider networks (HMOs or PPOs), they feature a Maximum Out-of-Pocket (MOOP) limit that protects you from unlimited medical costs.
Quick Fact for 65+: In 2026, nearly 98% of Medicare beneficiaries have access to at least one Medicare Advantage plan with a $0 monthly premium (though you must still pay your Part B premium).
Medicare Supplements (Medigap)
Medicare Supplement insurance, or Medigap, works alongside Original Medicare to "fill the gaps" in coverage, such as the 20% coinsurance or various deductibles. These plans offer the most freedom because they have no provider networks; you can visit any doctor or hospital in the country that accepts Medicare. Because your costs are largely covered by the supplement, this option provides the highest level of financial predictability.
Quick Fact for 65+: Your best time to buy a Medigap policy is during your one-time, 6-month Medigap Open Enrollment Period, which starts the month you are 65 and enrolled in Part B. During this window, companies cannot deny you coverage or charge more for pre-existing conditions.
Prescription Drug Plans (Part D)
Medicare Part D provides insurance coverage for your outpatient prescription medications through private insurers. You can get this through a standalone plan (to pair with Original Medicare or a Supplement) or as part of a Medicare Advantage plan. 2026 is a major year for Part D, as new laws have significantly lowered the maximum amount you have to pay at the pharmacy.
Quick Fact for 65+: Starting in 2026, there is a hard $2,100 annual out-of-pocket cap on all covered drugs. Once you hit this limit, you pay $0 for your covered prescriptions for the remainder of the calendar year.
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