Medicare, explained by someone who picks up the phone.
Serving with integrity. Guiding with care.
Compare Medicare Advantage, Medicare Supplement, and Part D plans available in your county in Kentucky, Indiana, Arkansas, Louisiana, and Florida. Our help costs you nothing, and there is never any obligation to enroll.
Licensed Medicare Insurance Agent
What brings you here?
Medicare is not one decision, it is several — and which ones apply to you depends entirely on your situation.
I am new to Medicare
Turning 65, or becoming eligible for the first time. We will walk you through what to sign up for, what the deadlines are, and how to avoid the late penalties that follow you for life.
Start hereI am working past 65
Still covered by an employer plan. Whether you should delay Part B depends on how many people your employer has — getting this wrong is expensive, and the rule is not obvious.
See how it worksI already have a plan
Plans change every year — premiums, drug lists, and provider networks all move. A yearly review is free, takes about twenty minutes, and often turns something up.
Book a reviewThree ways to cover the gaps
Original Medicare on its own leaves you paying a share of every bill with no annual limit. There are three common ways to handle that, and the right one depends on your doctors, your prescriptions, and how you feel about paperwork.
Medicare Advantage (Part C)
An all-in-one plan from a private carrier that replaces Original Medicare.
Strengths
- Often a low or $0 monthly premium
- Usually bundles drug coverage
- May include extras such as dental, vision, or hearing
- Caps what you pay out of pocket each year
Trade-offs
- You use the plan's provider network
- Some care needs prior authorization
- Benefits and networks change every year
Medicare Supplement (Medigap)
Works alongside Original Medicare and pays the share Medicare leaves to you.
Strengths
- See any provider who accepts Medicare, nationwide
- No referrals and no network
- Very predictable costs
- Benefits are standardised by law across carriers
Trade-offs
- A monthly premium on top of Part B
- Drug coverage is bought separately as Part D
- Outside your one-time open enrolment window you can be turned down for health reasons
Part D prescription drug plans
Standalone drug coverage, for people on Original Medicare or a Medigap plan.
Strengths
- Covers prescriptions Original Medicare does not
- Plans are matched to the specific drugs you take
- Avoids the lifelong late enrolment penalty
Trade-offs
- Every plan covers a different list of drugs
- The right plan can change year to year as that list does
Benefits mentioned vary by plan, carrier, county, and eligibility, and are not available in all areas or to all beneficiaries. Individual experiences vary.
So what does this cost me?
Nothing. That answer makes people suspicious, so here is exactly how it works.
You are never billed
There is no fee for our help — not for the first conversation, not for enrolling, and not for the questions you have three years from now.
The plan costs the same either way
Premiums are set by the carrier and filed with the government. You cannot get a cheaper price by going direct, and we cannot mark one up.
The carrier pays the commission
When you enrol, the insurance company pays us. Commission amounts are regulated and are broadly similar across carriers, which is what makes impartial advice possible.
We stay with you afterwards
Claim trouble, a new prescription, a doctor who leaves the network — call us first. We already know your plan.
Three steps, no pressure
You are not signing anything by calling. Most first conversations end with someone simply understanding their options better than they did an hour earlier.
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We talk
Twenty minutes on the phone. Your doctors, your prescriptions, how often you travel, what you can comfortably budget. No forms to fill in first.
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We compare
We check your prescriptions and your doctors against every plan we can offer in your county, and show you what we find in plain language — including where a plan falls short.
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You decide
If something fits, we handle the enrolment. If nothing does, we say so. Either way we are still here next year when the plans change again.
What clients say
Tirese was extremely helpful with the process of helping us find a plan that worked for my husband and me. He is quite knowledgeable with all plans. He is always available if you need to get in touch with him. I highly recommend him.
Mr. Tirese Palmer was so, so very helpful… he helped me with all the stuff to help with my doctor appointment, medicine, transportation, dental, eyecare, and much more. I will share him with my friends and family… I will continue to work with Mr. Tirese Palmer. Keep up the great job you do to help everyone that doesn't know. I love you for helping me.
Benefits mentioned vary by plan, carrier, county, and eligibility, and are not available in all areas or to all beneficiaries. Individual experiences vary.
The Medicare calendar
Most Medicare decisions can only be made inside a specific window. Missing one usually means waiting a full year.
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October 15
Annual Enrollment opens. You can change your Medicare Advantage or Part D plan for the year ahead.
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December 7
Annual Enrollment closes. After this date most people cannot change plans again until next autumn.
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January 1
New coverage begins. Whatever you chose — or did not change — takes effect.
Separate windows exist for people turning 65, leaving employer coverage, moving to a new area, or qualifying for Medicaid. If your situation changed recently, call us — you may be able to make a change right now.
Tirese Palmer
Licensed independent Medicare agent serving Kentucky, Indiana, Arkansas, Louisiana, and Florida.
Tirese works with people one at a time, in plain language, and without a script. Most of his clients come from someone they know — a neighbour, a sister, a former co-worker — which is a good indication of how the first conversation tends to go.
Being independent means he is not employed by any one insurance company. He is able to compare across the carriers he represents and say plainly when a plan is not the right fit — including when the right answer is to stay exactly where you are.
Questions people actually ask
Does it cost anything to work with you?
No. There is no fee for our help at any stage. When you enrol in a plan, the insurance carrier pays us a commission that is set and regulated. The plan premium is identical whether you enrol through us or directly with the carrier — you cannot get a lower price by going around us.
Do you work for an insurance company?
No. We are an independent agency, which means we contract with a number of carriers rather than being employed by one. We do not offer every plan available in your area — no agency does — so we always encourage people to check Medicare.gov or call 1-800-MEDICARE to see the complete list.
Is Medicare Advantage better than a Medicare Supplement?
Neither is better in general; they are different trade-offs. Advantage plans usually cost less each month and often include extras, but you use a network and some care needs prior approval. Supplements cost more monthly but let you see any provider who accepts Medicare, anywhere in the country, with very predictable bills. Which fits depends on your doctors, your prescriptions, your travel, and your budget.
I am still working at 65. Do I need to sign up?
It depends on the size of your employer. If the company has 20 or more employees, you can usually delay Part B without penalty while you stay on the group plan. If it is smaller than that, Medicare generally becomes your primary coverage and delaying can be expensive. This is one of the easiest places to make a costly mistake, so it is worth a phone call before you decide.
What happens if I miss my enrolment window?
Late enrolment penalties for Part B and Part D are added to your premium and, in most cases, you pay them for as long as you have Medicare. There are exceptions for people who had qualifying coverage elsewhere. If you think you may have missed a deadline, call us — there may be a special enrolment period that applies to you.
Will I be pressured to switch plans?
No. A yearly review frequently ends with us recommending that you keep the plan you already have. If your prescriptions and doctors are still covered and the cost has not moved much, staying put is usually the right answer, and we will tell you so.
Will you keep calling me after we speak?
No. We contact you about the question you asked us, and after that only if you have asked us to check in. You can tell us to stop at any time and we will add you to our internal do-not-call list. If you opted in to text messages, replying STOP ends them immediately.
Are our phone calls recorded?
Yes, when we discuss Medicare Advantage or Part D plans. Federal rules require agents to record those calls in full and keep the recordings. We will always tell you at the start of the call.
Request a free plan review
Get your free plan review
Tell us a little about your situation and a licensed agent will get back to you. There is no cost and no obligation to enroll.
Still have questions? That is normal.
Call and ask one. There is no cost, no obligation, and no script waiting for you on the other end.
(502) 821-2089 TTY 711
Monday–Friday, 8:00 a.m. – 6:00 p.m. ET