Mon - Fri 8:30 am - 6 pm
TTY 711 · Savannah, GA
Independent Medicare advisors in Savannah since 2009
Licensed local advisors compare plans from 11 carriers at your kitchen table or by video. Always free to you.
Hover or tap a plan type to read the plain-English version, then go deeper on its own page.
Original MedicarePart A hospital and Part B medical insurance run by the federal government.
Medicare AdvantagePart C plans from private carriers that bundle A, B and usually D with extra benefits.
Medicare Supplement (Medigap)Standardized policies like Plan G and Plan N that pay what Original Medicare leaves behind.
Part D prescription drug plansStand-alone drug plans that work with Original Medicare and Medigap.
Special Needs PlansAdvantage plans designed for people with Medicaid, chronic conditions or facility care.
Dental, vision and hearingRoutine care Original Medicare leaves out, through Advantage benefits or stand-alone plans.
Renata came to our kitchen table, compared Plan G from four companies and wrote everything down in plain English. Two years later she still returns my calls the same day.
Meet your local advisor
No call center, no hand-offs. The person who helps you enroll is the one who reviews your plan next year.
Renata Caldwell
Former hospital billing manager, advising since 2009
Across Chatham, Bryan, Effingham and Liberty counties, usually within five business days.
Street parking and a ground-floor entrance, two blocks from Forsyth Park.
We send a simple link. Family members can join from anywhere.
About 45 minutes from hello to a clear recommendation. Nothing is signed unless you want it to be.
Pick a time and place: your home, our office or video.
Doctors, prescriptions and pharmacy. Pill bottles work too.
Premiums, networks and a realistic yearly cost for each option.
We submit with you, then review your plan every October.
The two paths most people choose between. Neither is right for everyone, which is why we start with your doctors and prescriptions.
| What matters | Medigap + Part DOriginal Medicare plus a Supplement and drug plan | Medicare AdvantagePart C, usually with drug coverage |
|---|---|---|
| Choice of doctors | Any provider nationwide that accepts Medicare | Plan network (HMO or PPO), referrals in many HMOs |
| Monthly premium | Part B + Supplement + Part D premiums | Part B premium, plan premium often $0 |
| Yearly out-of-pocket limit | Very low with Plan G (mainly the Part B deductible) | Yes, set by each plan for in-network care |
| Prescription drugs | Separate Part D plan | Included in most plans |
| Dental, vision, hearing | Add a stand-alone policy | Often included, with limits |
| Travel within the U.S. | Covered with Medicare providers | Emergencies covered; routine care depends on plan |
| Prior authorization | Rare | Required for some services |
| Changing later | Switching Supplements may require health questions | Change each fall; Medigap later may require underwriting |
Original Medicare plus a Supplement and drug plan
Part C, usually with drug coverage
General comparison for education. Plan availability, costs and rules vary by plan and county. We do not offer every plan available in your area.
Miss one of these windows and penalties can last a lifetime. Here is the order that keeps you safe.
9 to 6 months before
List your doctors, prescriptions and pharmacy. Ask HR whether your employer plan requires Medicare at 65.
3 months before
Apply for Parts A and B if you are not already receiving Social Security. Coverage can begin your birthday month.
Your birthday month
Medigap plus Part D, or a Medicare Advantage plan. Your Medigap Open Enrollment window begins with Part B.
3 months after
Enrolling after this point generally means waiting for the General Enrollment Period and possible penalties.
6 months after Part B
After this, Georgia insurers can ask health questions for most Supplement applications.
Every Oct 15 - Dec 7
Review your Annual Notice of Change and switch plans if something important changed.
Sample premiums for a 65-year-old non-smoker in ZIP 31405. Your quote depends on age, ZIP code and plan.
PPO with drug coverage
$0/ month
Plus a separate Part D plan
$142/ month
Plus a separate Part D plan
$108/ month
Pairs with Original Medicare
$18/ month
Sample figures for illustration only, not quotes or offers. Part B premium is paid separately. We do not offer every plan available in your area.
Speak to an advisorFor families and veterans
Medicare touches Social Security, family, military benefits and your budget. We help with the whole picture.
Three-way video reviews, authorization forms and a calm plan for Mom or Dad.
Family supportWhy Part B matters for military retirees and how VA care fits alongside Medicare.
TRICARE guideClaiming age, premium deductions and how to appeal an IRMAA surcharge.
Read the guidePrograms that lower premiums and drug costs, and plans built for dual eligibility.
Special Needs PlansEvery October we re-price your medications against next year's formularies.
Part D plansRelocating to Savannah, Richmond Hill or Bluffton? Your move opens a Special Enrollment Period.
Enrollment periodsLong-form answers to the questions we hear at seminars and kitchen tables.
Claiming age, automatic enrollment, premium deductions and IRMAA surcharges. A practical guide for coastal Georgia retirees.
Still wondering about something? A licensed advisor can answer in plain English, usually the same day.
No. Our advice, plan comparisons and yearly reviews are free to you. We are paid a commission by the insurance company you choose, and plan premiums are the same whether you enroll with us, with the carrier directly or on Medicare.gov.
No agency does. We are appointed with 11 carriers in Georgia and South Carolina. We do not offer every plan available in your area, and we will tell you when a plan we do not offer may fit better. You can always contact Medicare.gov or 1-800-MEDICARE for information on all of your options.
The Annual Enrollment Period runs October 15 to December 7 each year, with changes starting January 1. If you are in a Medicare Advantage plan, you can also make one change between January 1 and March 31.
A Medicare Supplement works alongside Original Medicare, lets you see any provider that accepts Medicare and has a higher premium with low out-of-pocket costs. A Medicare Advantage plan replaces how Original Medicare pays claims, usually has a network, lower premiums, a yearly out-of-pocket maximum and extra benefits.
Yes, with your parent's permission. We can hold a three-way video call, and carriers have authorization forms so you can speak with them directly about claims and billing.
Kitchen table, our Abercorn Street office or a video call. Your review is free, with no obligation to enroll.
4.9 from 612 client reviews · TTY 711
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