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Medicare is the federal health insurance program for people 65+, certain younger people with disabilities, and people with End-Stage Renal Disease. The program is split into Parts A, B, C, D, and Medigap supplement plans — each covers different services.

The different parts of Medicare

Medicare Part A (Hospital Insurance) — Inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

Medicare Part B (Medical Insurance) — Doctors' services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Advantage Plans) — Private plans that bundle Parts A and B (and usually D). Includes HMO, PPO, Special Needs, and Medical Savings Account options.

Medicare Part D (Prescription Drug Coverage) — Stand-alone prescription drug plans that pair with Original Medicare or other plans.

Medicare Supplement (Medigap) — Helps pay copays, coinsurance, and deductibles that Original Medicare doesn't cover. Sold by private companies.

Plans I write

If you're under 65 and need individual or family health insurance, the ACA (Affordable Care Act) Marketplace is where most people land. I help you compare Bronze, Silver, Gold, and Platinum plans across every NC carrier, check whether your doctors are in-network, and figure out if you qualify for a premium subsidy.

• Open Enrollment runs Nov 1 – Jan 15 each year
• Special Enrollment available after qualifying life events (job loss, marriage, baby, move)
• Most clients qualify for premium tax credits — I run the numbers before you commit

Two main flavors, depending on what problem you're solving:

Term Life — Affordable income protection for a fixed period (10, 20, 30 years). Best when you have a mortgage, kids at home, or income to replace. Premiums are locked, payouts are tax-free.

Burial / Final Expense — Smaller permanent whole-life policy designed to cover funeral costs and end-of-life expenses. Easier to qualify for, often no medical exam, and the policy never expires as long as premiums are paid.

The gap-fillers. These pair with your main plan to cover the things that surprise you on a hospital bill — or to bridge coverage when you don't qualify for ACA or Medicare yet.