Services

Medicare Advantage is a way to get your Medicare coverage through a plan from a private company that contracts with Medicare. These plans include Part A and Part B, and most include drug coverage (Part D).

Pauletta can walk you through how these plans work, what questions to ask about networks, costs, and prior authorization, and which options may be available from the companies she works with.

Source for Medicare facts: Medicare.gov

Medigap is extra insurance sold by private companies that helps pay your share of costs in Original Medicare, like copayments, coinsurance, and deductibles. Policies are standardized and, in most states, named by letters.

Pauletta can explain how lettered plans differ, when the best time to apply usually is, and what to consider before you decide.

Source for Medicare facts: Medicare.gov

Medicare drug coverage (Part D) helps pay for brand-name and generic prescription drugs. It is offered by private companies that follow rules set by Medicare, and each plan has its own list of covered drugs (formulary).

Pauletta can help you understand how to check whether a plan lists your prescriptions and works with your pharmacy, and what costs to look at.

Source for Medicare facts: Medicare.gov

New to Medicare, or helping a loved one? Pauletta can explain the general enrollment periods, how Parts A, B, C, and D fit together, and what to have ready before you make choices.

This is general education. Medicare and Social Security make official eligibility decisions.

Source for Medicare facts: Medicare.gov

Comparing plans can feel overwhelming. Pauletta can help you review the plans she offers side by side, so you understand the trade-offs before you decide.

You make the final choice. You can also compare every plan in your area at Medicare.gov/plan-compare.

Source for Medicare facts: Medicare.gov

Life insurance can help family members with final expenses or other financial needs. Pauletta can explain common types of coverage and what to consider.

Coverage, eligibility, and pricing are decided by the insurance company and depend on your situation.