Questions, answered.

Maybe. Our team is licensed in 15 states: Michigan (our home), plus Arizona, Arkansas, Delaware, Florida, Illinois, Iowa, Kansas, Kentucky, Nebraska, New Jersey, Ohio, Oregon, Pennsylvania, and Tennessee. David and Kaylee Wright hold the full 15-state footprint; Cody Clark is licensed in Michigan and Illinois. Most clients outside Michigan are folks who relocated for retirement or who were referred by a Michigan family member. If you're in one of these states, give us a call. If you're not, we'll point you toward a trusted advisor who can help.

Part A generally covers inpatient hospital stays, skilled nursing facility care after a qualifying hospital stay, hospice, and some home health care. Most people get Part A without paying a monthly premium because they or a spouse paid Medicare taxes while working.

Part B covers outpatient care — doctor visits, preventive services, lab work, durable medical equipment, and some home health. Most people pay a monthly premium for Part B, set each year by the federal government.

Part C is a way to get your Part A and Part B benefits through a private plan instead of Original Medicare. These plans vary widely and often include extra benefits. Availability and details depend on where you live.

Part D is prescription drug coverage offered through private plans. You can add it to Original Medicare, or it may be built into a Medicare Advantage plan.

Extra Help is a federal program that helps people with limited income and resources pay for Part D prescription drug costs. Eligibility is based on income and assets and is determined by Social Security or your state Medicaid office.

Medicare Savings Programs are state-run programs that help eligible people pay Medicare premiums and, in some cases, deductibles and coinsurance. There are several MSP categories with different income and resource limits. Apply through your state Medicaid office.

Medicare is federal health coverage based primarily on age or disability. Medicaid is a joint federal–state program based on income and resources, and it works differently in every state. Some people qualify for both — often called “dual eligible” — and the two programs work together.

Most people become eligible at age 65. Your Initial Enrollment Period is generally a 7-month window — the 3 months before your 65th birthday month, your birthday month, and the 3 months after.

If you go without creditable prescription drug coverage for 63 days or more after you’re first eligible, a permanent penalty may be added to your Part D premium for as long as you have Part D. The amount depends on how long you went without coverage. There are ways to avoid it — worth a quick conversation.

Annual Enrollment is a yearly window — generally October 15 through December 7 — when people with Medicare can review and change their Medicare Advantage or Part D coverage for the following year.

A Special Enrollment Period is a window outside normal enrollment periods triggered by certain life events — like moving, losing employer coverage, or qualifying for Extra Help. Rules and timing vary by event.

Nothing out of pocket. We’re licensed independent agents — when we help you choose a plan, we’re paid by the insurance carrier, not by you. Premiums are the same whether you enroll on your own or with an agent.

No. We are an independent, Michigan-based agency. We are not connected with, endorsed by, or affiliated with the federal Medicare program or any government agency.

No agent does. We do not offer every plan available in your area. We work with several carriers and will help you compare the options we offer. You can always contact 1-800-MEDICARE, your State Health Insurance Assistance Program (SHIP), or Medicare.gov for a full list of plans.

Yes. We focus on Michigan residents.

No. We also help families think through retirement income planning using our PGA Process™ — a structured way to look at protection, growth, and activation of retirement savings. Educational only; nothing on this site is investment, tax, or legal advice.

We’re not captive to one insurance company. That means we can compare options across multiple carriers and recommend what fits your situation — not a sales quota.