What to Expect

The Process

When you reach out to me by phone or email, I will collect some introductory information to get an idea of what is important to you. We can set up a meeting in your home, my office or at a local coffee shop to go over Medicare 101 as well as evaluate plans. Before we sit down together, I will run a quote for your prescriptions and research which plans cover your doctors.

My office is located at Western Asset Protection, 4550 E Bell Rd #118, Phoenix, AZ 85032.

Starting Medicare

Medicare Part A covers room and board in the hospital and starts automatically upon turning 65 when you have worked 40 quarters/10 years. This is the part of Medicare you are entitled to because you paid into it while you worked.

Medicare Part B covers medical expenses; you pay a monthly premium for this coverage. Depending on your situation, you may or may not have to sign up for Part B:

  • If you are currently drawing Social Security benefits, you will be automatically enrolled in Part B upon turning 65 and should get your card in the mail.
  • If you are not drawing Social Security benefits, you need to sign up for Part B. Visit the Social Security office or online at SSA.GOV. Together, we can determine when to sign up based on your initial enrollment period. I can also provide the forms that Social Security will require.

If you are still working and have creditable coverage through your or your spouses employer you may be able to delay starting your Part B. Call me for more information.

Our First Appointment

An appointment typically lasts 90 minutes. I will ask you to complete the Scope of Appointment form. It documents topics you would like to discuss with me; it does not obligate you to enroll in a plan. The Center for Medicare and Medicaid Services requires this form be completed in an effort to protect Medicare Beneficiaries.

We will go over different plan structures like Original Medicare (Part A & Part B), Medicare Advantage (Part C), Prescription Drug Plans (Part D), Medicare Supplements (Plan F, G, N, etc), and Hospital Indemnity policies.

Then we will talk about your situation as it relates to:

  • Medical and Drug Costs (Premiums, Co-pays & Coinsurance)
  • Provider Networks (Doctors, Hospitals, Pharmacies, Labs, Imaging Facilities, etc)
  • Service Area (Local or Nationwide coverage)

You are never obligated to enroll in a plan with me. If you want some time to think it over, you usually have until the day before you want the plan to be effective to enroll (FYI- this does not apply to starting your Part B with Social Security!) When you are ready, I will help you complete and submit the application.

Post Enrollment

Once you are enrolled in a plan, you can always contact me by phone or email to consult. My clients call me to confirm enrollment, find a new specialist/provider in network, understand plan benefits, lookup a prescription and get new ID cards.

Within 7-10 business days you will receive a letter confirming your enrollment in the plan. This serves as your ID card until the Welcome Kit & ID cards arrive from the plan.

Open Enrollment (October 15- December 7)

Each year in September, I write a letter to all my clients letting them know about the Open Enrollment Period for Medicare Advantage (Part C) and Prescription Drug Plans (Part D) that goes from October 15- December 7. During this time I talk to beneficiaries about their current plan and its benefit changes for next year. Together, we determine if a switch is necessary.

I enjoy having lasting relationships with my clients. I strive to provide the information you need to maintain coverage that best fits your needs.


(623) 428-6921 TTY: 711

By calling this number you will be speaking with a licensed agent.