Medicare Made Simple With Your Local Agent
If you’re turning 65 (or helping a parent who is), Medicare can feel like a new language—Parts, plans, letters, enrollment windows, and a steady stream of mailers that all claim to be “the best.” It’s a lot. At Greenway & Associates, we talk with neighbors every day who just want one thing: confidence. Confidence that they’re choosing coverage that fits their health needs, their budget, and their life.
Here’s the good news: once you understand the building blocks, Medicare starts to make sense. And if you already trust us with your auto insurance, homeowners insurance, renters insurance, or life insurance, you’ll love having Medicare guidance from a team that treats you like a person—not a policy number.
Start With the Basics: Parts A, B, C, and D
Think of Original Medicare as your foundation. Part A generally helps cover inpatient hospital care, and Part B generally helps cover outpatient care like doctor visits and preventive services. Many people enroll in both when they’re first eligible.
Then you’ll hear about two common paths:
Option 1: Original Medicare + a Medicare Supplement (Medigap) + Part D
This approach can help reduce out-of-pocket costs and offer broader provider flexibility, depending on the plan.
Option 2: Medicare Advantage (Part C)
These plans are offered by private insurers and typically bundle Part A and Part B, often including prescription drug coverage (Part D) and extra benefits.
No path is “right” for everyone. The best plan is the one that matches your doctors, prescriptions, lifestyle, and budget—today and as life changes.
A Quick Comparison Table
| Topic | Original Medicare + Supplement | Medicare Advantage (Part C) |
|---|---|---|
| Provider choice | Often broader choice of doctors who accept Medicare | Often uses network-based access (varies by plan) |
| Monthly premium structure | Typically Part B premium + Supplement premium + Part D premium | Typically Part B premium + plan premium (can be low/varies) |
| Out-of-pocket costs | May be more predictable depending on Supplement plan | Cost-sharing with copays/coinsurance up to plan maximum |
| Extra benefits | Usually focused on medical cost gaps | May include extras like dental/vision/hearing (varies) |
| Prescription coverage | Added separately with Part D | Often included (if MA-PD), varies by plan |
Timing Matters: Enrollment Windows You’ll Want to Know
Most Medicare frustration isn’t about the plans—it’s about the calendar. Missing an enrollment period can mean late penalties or fewer choices. The most common starting point is your Initial Enrollment Period (around when you turn 65). After that, there are other windows each year where you can review and adjust.
Our approach is simple: we’ll help you map out your dates, explain what actions are available, and build a plan that feels steady—not rushed.
A Simple “Cost Comfort” Snapshot
Everyone’s comfort level is different. Some people want the lowest monthly premium possible and are okay budgeting for copays. Others prefer higher premiums in exchange for more predictable out-of-pocket costs. This quick snapshot shows how many shoppers think about the trade-off:
| What You Prefer | Typically Pairs Well With | Why It Feels Better |
|---|---|---|
| Predictable spending | Original Medicare + Supplement + Part D | Fewer surprises when services are used |
| Lower monthly premium | Medicare Advantage | Can reduce premium cost; pay as you go with copays |
| Travel flexibility | Often Original Medicare + Supplement | May offer broader provider access when away from home |
| Extra benefits focus | Medicare Advantage | May include dental/vision/hearing (plan-dependent) |
Don’t Forget Prescriptions: Why Part D Deserves Attention
Prescription drug coverage is one of the most common “whoa, I didn’t see that coming” moments. Formularies, pharmacy networks, and medication tiers can change what you pay. That’s why we like to review your current medications and pharmacies early, so you can choose a path that matches your real life.
If you’re managing ongoing prescriptions—or simply want to be prepared—Part D can be the difference between “this is fine” and “why is my refill so expensive?”
Why Work With a Local Agent for Medicare Decisions?
Online tools are helpful, but they can’t listen to what matters most to you—like staying with your favorite doctor, traveling to see grandkids, or keeping costs manageable on a fixed income. At Greenway & Associates, we make Medicare shopping feel more like a conversation than a transaction.
And because many households prefer one trusted team for multiple needs, we can also help you keep your broader coverage picture organized. It’s common to pair Medicare conversations with a quick check-in on life insurance (to protect loved ones), homeowners insurance or renters insurance (to protect what you’ve built), and auto insurance (to keep everyday life covered). Even small updates—like bundling or adjusting deductibles—can sometimes make room in the budget for the coverage you truly want.
Your Next Step: A Medicare Review That Feels Human
Here’s what a great Medicare review looks like with Greenway & Associates:
1) We listen first. Your doctors, prescriptions, budget, and “must-haves.”
2) We compare options clearly. No jargon, no pressure—just plain-English choices.
3) We help you feel confident. The goal is peace of mind, not paperwork stress.
Ready to Talk It Through?
If Medicare feels confusing, you’re not alone—and you don’t have to figure it out from scratch. Call 719-542-1887 to speak with a friendly, local agent at Greenway & Associates. We’ll help you sort through Medicare Supplement, Medicare Advantage, and Part D options so you can choose coverage that supports your health and your future.
When you’re ready, click the button above to start. We’re here to help you feel steady, protected, and confident—one decision at a time.