For Wisconsinites 65+
Medicare made simple.
Turning 65? Already on Medicare and want a second opinion? We'll explain your options in plain English and help you choose the right plan for your doctors, prescriptions, and budget.
Understanding the parts of Medicare
A quick map of how the pieces fit together.
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical equipment.
Medicare Advantage
An alternative to Original Medicare offered by private carriers — often bundling Parts A, B, and D with extras.
Prescription Drugs
Standalone or bundled prescription drug coverage to help with monthly medication costs.
Medicare Supplement
Helps cover out-of-pocket costs (deductibles, coinsurance) that Original Medicare doesn't pay.
Important enrollment windows
- Initial Enrollment Period (IEP): The 7-month window around your 65th birthday.
- Annual Enrollment Period (AEP): October 15 – December 7 each year. Changes take effect January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31 to switch or drop an Advantage plan.
- Special Enrollment Periods (SEP): Available for qualifying events like moving or losing other coverage.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare in Wisconsin, without the overwhelm
If your mailbox is filling up with Medicare brochures and your phone won't stop ringing, take a breath — you're not alone. More than 1.2 million Wisconsinites are on Medicare, and almost every one of them felt confused at the start. Our job is to slow things down, listen to what matters to you, and help you make a choice you can feel good about for the next year.
Wisconsin Medicare Advantage (Part C) plans come from carriers like Humana, UnitedHealthcare, Aetna, Anthem Blue Cross Blue Shield, WellCare, Devoted Health, Quartz, Network Health, Security Health Plan, iCare, and Aspirus. The plans available in Milwaukee, Waukesha, Racine, or Kenosha aren't the same as in Dane, Brown, Outagamie, Winnebago, or Marathon County — and that's actually a good thing, because we can match you to a plan built around the doctors and hospitals near you.
Wisconsin is also one of only three states that handles Medicare Supplement (Medigap) coverage a little differently — instead of the lettered plans you'll see in TV commercials, we have a Basic Plan with optional riders. It sounds complicated, but we've explained it hundreds of times and can walk you through it in just a few minutes.
And if prescriptions are part of your life, the good news is that the 2025 Medicare changes capped Part D out-of-pocket costs at $2,000 per year and got rid of the old "donut hole." Before you enroll in anything, we'll quietly check your medication list against each plan so you're not surprised at the pharmacy counter.
Questions we hear all the time
"Should I choose Medicare Advantage or a Medigap plan?"
There's no single right answer — it depends on your doctors, how much you travel, the prescriptions you take, and your budget. We'll lay both paths out side by side so you can see clearly which one fits your life.
"When does Medicare actually start?"
Your first chance to enroll is a 7-month window that begins three months before your 65th birthday month. Sign up in those first three months and your coverage starts the month you turn 65. We'll send you a friendly reminder if you'd like.
"I'm still working at 65 — do I need Medicare yet?"
Not necessarily. If your employer plan is solid, you may be able to delay Part B without any penalty. We'll compare what you already have to Medicare so you only pay for what you truly need.
"Is there a fee for your help?"
Never. Our service is completely free to you — the insurance carriers compensate us directly. The premium you pay is exactly the same whether you enroll on your own or have us by your side.
Third-Party Marketing Organization (TPMO) Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options. Calling the number on this page will connect you with a licensed insurance agent. We are not connected with or endorsed by the United States government or the federal Medicare program.
Talk to a licensed Wisconsin agent — no cost, no pressure.
A mother-and-daughter team with 30+ years of local experience.