Medicare Planning
Medicare Guidance You Can Trust
Simplifying a Complex System
Choosing a Medicare plan can feel overwhelming, but it doesn’t have to be. At Freedom for Living Financial Services, we help you make sense of your options so you can select coverage that fits your health needs, lifestyle, and budget. Whether you’re approaching age 65 or already enrolled and looking to review your plan, we’ll walk you through every step with patience and care. Our goal is to give you clarity and confidence so you feel fully prepared to make the right decision.
Our Medicare Services
Clear Guidance for Every Option
We’ll work with you to understand your Medicare choices and help you select the plan that meets your needs today and in the years to come.
Medicare Supplements (Medigap)
Cover gaps in Original Medicare to reduce out-of-pocket expenses for hospital and medical care.
Medicare Advantage Plans
Explore all-in-one plans that may include medical, prescription drug, and extra benefits like dental or vision.
Prescription Drug Plans (Part D)
Find a plan that fits your medication needs and budget.
Questions About Medicare?
Here’s What You Need to Know
What’s the difference between Medicare Supplements and Medicare Advantage?
Medicare Supplements (also called Medigap) work alongside Original Medicare to help pay for costs like deductibles, coinsurance, and copayments. Medicare Advantage plans, on the other hand, replace Original Medicare and often include additional benefits such as vision, dental, or prescription coverage. We’ll explain the pros and cons of each option and help you decide which approach makes the most sense for your situation.
Do I really need a Prescription Drug Plan (Part D) if I’m healthy?
Even if you aren’t currently taking any medications, it’s important to consider enrolling in a Part D plan to avoid late enrollment penalties in the future. These plans are designed to provide affordable access to prescription medications should your health needs change. We can help you review your options and choose a plan that offers the right balance of coverage and cost.
When should I start planning for Medicare?
It’s a good idea to begin exploring your Medicare options about six months before you turn 65. This gives you plenty of time to understand your choices and avoid missing important enrollment deadlines. Whether you’re approaching eligibility or helping a loved one prepare, we’ll guide you through the process step by step.
Can I change my Medicare plan later if my needs change?
Yes, you can make changes during certain enrollment periods, such as the Annual Enrollment Period (October 15–December 7). We’ll help you understand when and how you can adjust your coverage if your health or lifestyle changes over time, ensuring you’re never stuck with a plan that no longer fits.
Why work with Freedom for Living for Medicare planning?
We take the time to listen and educate, so you never feel rushed or confused. As an independent advisor and Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers works with multiple carriers to find the right solution for you—not one that benefits the provider. Our approach is designed to make Medicare simple, clear, and stress-free.