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Medicare Guidance  |  Oregon & Nationwide

Get the Medicare Plan You Deserve
— Without the Confusion

Rodney Cummings compares dozens of Medicare Advantage, Supplement, and Part D plans so you keep the doctors you love at a price that fits your budget.

✓ No pressure, no obligation✓ Compare multiple carriers✓ Oregon licensed agent✓ Free consultation
The Problem

Medicare Is Complicated.
We Make It Simple.

If you're turning 65 — or already on Medicare — you know how overwhelming the choices can feel.

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Overwhelmed by choices?

50+ plan combinations exist in most zip codes. Every carrier claims to be the best — and their jargon makes comparing nearly impossible.

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Worried about costs?

Premiums, copays, deductibles, and out-of-pocket maximums add up fast. Choosing wrong can cost you thousands every year.

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Afraid of missing enrollment?

Enroll late and Medicare hits you with a lifetime penalty on your premium. Miss the window and you could wait a full year for coverage.

That's where we come in.

Our Process

Your Personal Medicare Guide
At No Cost to You

We walk alongside you from confusion to confidence — completely free of charge.

STEP 01

Get Your Medicare Card

Apply at SSA.gov or call 1-800-772-1213 starting 3 months before your 65th birthday. Your red, white & blue card arrives by mail — Parts A & B are active.

STEP 02

Review Your Current Coverage

We start by understanding where you are — existing coverage, doctors, prescriptions, and budget.

STEP 03

Compare All Available Plans

We shop multiple carriers side-by-side so you see exactly what each plan covers — and what it costs.

STEP 04

Explain Your Options Clearly

No jargon. No pressure. We translate Medicare into plain English so you can make a confident decision.

STEP 05

Enroll You in the Right Plan

We handle the paperwork and enrollment — so you're covered before your Medicare start date.

💛 Our service is 100% free to you — we're paid by the carriers, never by you.

Coverage Options

Every Medicare Option, Explained

We cover the full spectrum — from core Medicare to the add-ons most agents skip.

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Medicare Advantage

An all-in-one alternative to Original Medicare. Often includes dental, vision, and hearing — sometimes with $0 monthly premiums.

★ Key benefit: Low or $0 premium options
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Medicare Supplement (Medigap)

Fills the gaps Original Medicare leaves behind — covering copays, coinsurance, and deductibles. Freedom to use any doctor who accepts Medicare.

★ Key benefit: Predictable, low out-of-pocket costs
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Part D Drug Plans

Standalone prescription coverage that can dramatically reduce your medication costs. Plan formularies vary — we match you to the plan that covers your drugs.

★ Key benefit: Protect against high drug costs

Also available: Dental, Vision, and Hearing plans to fill the coverage gaps Medicare doesn't address.

Side-by-Side Comparison

Which Medicare Plan Is Right for You?

Every option has trade-offs. Here's an honest look at what each one covers — and costs.

Feature Original Medicare
Parts A & B
Medicare Advantage
Part C
Most Popular
Medicare Supplement
Medigap
Monthly Premium Part B: ~$202.90/mo $0 – $80/mo (varies) $100 – $300/mo (varies)
Provider Choice Any Medicare-accepting provider Network required (HMO/PPO) Any provider nationwide
Out-of-Pocket Max No cap — unlimited exposure Capped annually (by law) Very low — Medigap fills the gaps
Dental / Vision / Hearing Not covered Often included Not included (add-on plans available)
Prescription Drugs Requires separate Part D plan Usually built in Requires separate Part D plan
Referrals Required No Often yes (HMO) No
Best For Base coverage only; pair with Supplement Low-premium seekers; prefer all-in-one Predictability & maximum freedom

Not sure which is right for your situation? Let Rodney walk you through it — for free.

Get My Free Plan Comparison → 🖥️ Shop & Enroll Online →
Enrollment Timeline

Your 7-Month Initial Enrollment Window

Miss it and face a lifetime late-enrollment penalty. Here's exactly when to act:

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IEP Opens
Window begins. Start gathering Medicare info.
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Plan Research
Compare plans with Rodney — no rush yet.
−1
Apply Now
Ideal time to enroll for Day-1 coverage.
65
🎂 Birthday!
Medicare Parts A & B become effective.
+1
Still Open
IEP window still active — don't delay.
+2
Closing Soon
Coverage may be delayed if you wait.
+3
IEP Closes
Window ends. Late penalty applies after this.
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Still Have Employer Coverage at 65?

You may qualify for a Special Enrollment Period (SEP) — delaying Medicare without a penalty as long as you're covered by a qualifying employer group health plan. Call Rodney before making this decision: 503-832-8555

Client Stories

What Our Medicare Clients Say

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Client Stories Coming Soon

Real stories from real clients are on their way. We'd love for you to be one of our first success stories — schedule a free consultation today.

20+
Years Experience
500+
Clients Helped
20+
Carriers Compared
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Oregon Licensed

Carriers I Work With

multiple carriers. One Independent Advisor.

Because I'm independent, I compare plans across every major carrier to find what's best for you — not what pays me the most.

AetnaHumanaUnitedHealthcareBlue Cross Blue ShieldCignaWellCareMutual of OmahaAnthemMolina HealthcareRegenceProvidence HealthAARP / UHCMedigap

And many more — coverage availability varies by county. Ask Rodney what's available in your ZIP code.

Free Download

Medicare Made Simple
2026 National Guide

Everything you need to make a confident Medicare decision — in plain English. Inside: enrollment timelines, plan types explained, cost comparisons, and the 7 questions to ask before you choose a plan.

  • ✓ 2026 plan changes & updates
  • ✓ Medicare Advantage vs. Supplement — side-by-side
  • ✓ How to avoid the late-enrollment penalty
  • ✓ Complete Medigap Plans A–N comparison grid
  • ✓ When & how to enroll (step-by-step)
Download Free Guide (PDF)

No email required. Instant download. 100% free.

Free Download — New for 2026

Medicare Maximum Out-of-Pocket Costs
What's Covered, What's Not & How to Protect Yourself

Most people are shocked to learn Medicare has NO out-of-pocket maximum for hospital stays. This guide reveals the real numbers and shows you exactly how to plug the gaps.

  • ✓ The truth about Medicare's "unlimited" hospital costs
  • ✓ Part A & Part B real cost scenarios
  • ✓ How Advantage plans cap costs (and the hidden traps)
  • ✓ Skilled Nursing Facility costs most people miss
  • ✓ Your 3-step protection plan
Download Free Guide (PDF)

No email required. Instant download. 100% free.

Book Your Appointment

Schedule Your Free Medicare Review

Pick a time that works for you. 30 minutes. No obligation. No spam.

Prefer to call?  503-832-8555  | Medicare Line

Or shop plans online at PlanEnroll.com