What Is Medicare Coverage?
Medicare is the federal health insurance program for people age 65 and older, as well as certain younger individuals with disabilities. Navigating Medicare can be overwhelming — there are multiple parts (A, B, C, D), enrollment windows, and the risk of costly late-enrollment penalties if you miss your deadlines. Mechelle Fitzpatrick specializes in helping clients understand all of their Medicare options, choose the right plan for their health needs and budget, and avoid the financial penalties that come from enrolling late. As an independent broker, she compares plans across multiple carriers at no cost to you.
Coverage Options We Offer
An all-in-one alternative to Original Medicare offered by private insurers. Often includes prescription drug coverage, dental, vision, and hearing benefits — and may include low or $0 premium options depending on your location and plan.
Covers the gaps in Original Medicare — including copays, coinsurance, and deductibles. Provides predictable out-of-pocket costs and freedom to see any Medicare-accepting provider nationwide.
Standalone prescription drug coverage that works alongside Original Medicare and Medigap plans. Mechelle compares formularies and costs across carriers to find your best fit.
Medicare plans change every year. Mechelle reviews your coverage each fall during Open Enrollment (Oct 15 – Dec 7) to ensure you still have the best plan for your needs and budget.
Frequently Asked Questions
Your Initial Enrollment Period (IEP) is a 7-month window that begins 3 months before the month you turn 65. Enrolling during this window avoids late-enrollment penalties. If you have employer coverage, different rules may apply — contact Mechelle to discuss your specific situation.
If you do not sign up for Part B when first eligible and do not have qualifying employer coverage, you may pay a 10% penalty on your Part B premium for each 12-month period you were eligible but did not enroll. In 2026, the standard Part B premium is $202.90/month — that penalty adds up quickly.
Medicare Advantage replaces Original Medicare with a private plan that often includes extra benefits. Medigap supplements Original Medicare by covering cost-sharing gaps. The right choice depends on your health needs, preferred doctors, and budget. Mechelle will walk you through both options.
Yes. The Annual Enrollment Period (Oct 15 – Dec 7) allows you to switch Medicare Advantage or Part D plans. Medigap plan changes may require medical underwriting outside of guaranteed issue periods. Mechelle reviews your options every year.
Medicare has neither reviewed nor endorsed this information. Fitzpatrick Benefit Advisors LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Mechelle Fitzpatrick, NPN 6799305, GA License 607281.
Key Benefits
- Expert guidance through every Medicare option
- Help avoiding costly late-enrollment penalties
- No-cost plan comparison across multiple carriers
- Annual plan reviews during Open Enrollment
- Ongoing support for claims and coverage questions
- Clear, plain-language explanations of every option
Who Needs This?
- Individuals turning 65 and approaching Medicare eligibility
- Those retiring and losing employer-sponsored health coverage
- Current Medicare enrollees unhappy with their plan
- Anyone who missed their Initial Enrollment Period
- People confused about the difference between Medicare Advantage and Medigap
- Those needing help with Part D prescription drug coverage