Hello, I'm Mark Fisher — I make Medicare make sense.

Most people first enroll during their 7-month Initial Enrollment Period around their 65th birthday. After that, the Annual Enrollment Period runs October 15 through December 7 each year, and Medicare Advantage holders get an Open Enrollment from January 1 through March 31. Special Enrollment Periods exist for people leaving employer coverage — call me and we’ll confirm your window in minutes.

Medicare Advantage (Part C) is an all-in-one managed plan — often $0 premiums — with networks, prior authorizations and annual out-of-pocket maximums. A Medicare Supplement rides on top of Original Medicare, costs more monthly, but travels nationwide with almost no surprises. Neither is “better” in general; the right fit depends on your doctors, prescriptions, travel habits and budget.

Always. Before we enroll, I verify your exact doctors are in-network and run your medication list through every plan’s formulary in your zip code — including tiers, coverage stages and pharmacy pricing — so there are no unwelcome surprises at the counter.

It depends on your employer size. If your employer has 20 or more employees, you can usually delay Part B without penalty. Smaller employers may require Medicare to pay first. Getting this wrong can cost you a late-enrollment penalty — schedule a quick call and we’ll map your exact timeline.

That’s the whole point of my concierge promise. Billing errors, claim denials, finding a new doctor, moving to another state, or reviewing coverage each fall — my team and I stay with you year after year, at no charge.