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The Four Parts of Medicare
Part A
Hospital Insurance
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Inpatient care in hospitals
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Skilled nursing facility care
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Hospice care
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Home health care
Part B
Medical Insurance
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Services from doctors and other health care providers
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Outpatient care
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Home health care
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Durable medical equipment (like wheelchairs, walkers, hospital beds and other equipment)
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Preventive services (like screenings, vaccines, and yearly ‘wellness’ visits)
Part C
Medicare Advantage
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Medicare-approved plans from private companies that offer an alternative to Original Medicare (Parts A & B) for your health and drug coverage.
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Include Parts A, B, and usually D.
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Most plans offer additional coverage such as dental, vision, hearing, and fitness benefits.
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All Medicare Advantage plans have a yearly maximum out-of-pocket limit.
Part D
Prescription Drug Coverage
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Medicare-approved prescription drug plans offered by private companies.
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Purchased separately to go with Parts A & B.
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Plans vary in cost and specific drugs covered.
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Plans use a ‘formulary’ or list of covered rescription drugs.
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Often included in a Medicare Advantage plan.
Are You Eligible For Medicare?
If you're turning 65, have a qualifying disability, or are retiring and losing employer health coverage, you likely qualify. Those already receiving Social Security or Railroad Retirement benefits are typically enrolled automatically, while veterans and federal program participants may need to coordinate benefits. Are you still working? Together, we'll analyze whether your employer plan or Medicare better serves your needs. Let me help you cut through the confusion, avoid costly penalties, and secure coverage that protects both your health and your wallet - because when it comes to Medicare, the right guidance makes all the difference.
Medicare Advisor
Meet Pamela
The truth about Medicare? It’s complicated. With dozens of plans and ever-changing rules, even the savviest people can feel overwhelmed. That’s where I come in.
With decades in healthcare consulting —and as someone who’s navigated these choices myself—I know what’s at stake: your healthcare coverage impacts everything from your budget to your peace of mind. It was my own Medicare journey that showed me how much a trusted guide matters.
Now, I focus on one thing: translating Medicare’s complexity into clear, personalized choices for you. Whether you’re new to Medicare, transitioning from employer coverage, or reviewing your current plan, I simplify the process by walking you through your options, comparing plans side by side, and finding just the right coverage that fits your needs and your budget.
Because you should feel confident about your healthcare choices — not confused.
Testimonials
What they’re saying
When my husband faced end-stage renal disease, I was overwhelmed—by fear and Medicare’s complexity. Pamela became our lifeline, guiding us through enrollment, coordinating coverage, and ensuring his dialysis and hospital stays were fully covered. She walked every step with us, letting us focus on what mattered: his care."
Michele T.
After retiring at 70, I needed someone I could trust to guide me through Medicare—so I turned to Pamela. I’ve always known her to be thorough, detail-oriented, and genuinely committed to doing what’s best for her clients. She didn’t disappoint. Pamela took the time to understand my needs and found me the perfect coverage. I couldn’t be more grateful for her expertise and care."
Eric T.
As I approach 65 and navigate Medicare, there’s no one I trust more than Pamela. For years, she’s guided me through major life decisions with expertise and care. Now, as I transition into Medicare, I’m confident she’ll help me find the best coverage for my needs. Her knowledge and dedication make all the difference!"
Jane B.
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Let's Make Smarter Healthcare Choices Together