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🛡️ Free Medicare Review — Oregon & Nationwide

Find the Right Medicare Plan.
Without the Confusion.

Compare Medicare Advantage, Supplement, and Part D plans from 20+ carriers. No sales pressure. No cost to you. Just clear answers from a licensed Medicare advisor.

Speak with Rodney directly — 503-832-8555
📅 Schedule Free Consultation 🔍 Compare Plans Online
No-Cost Service 20+ Carriers Compared Oregon Licensed Independent Advisor No Sales Pressure
20+
Medicare Carriers
26
States Licensed
$0
Cost to You
15+
Years Experience
Why People Search for Help

Medicare Is Complicated.
We Make It Simple.

Most people searching for Medicare help are facing the same overwhelming situation:

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Overwhelmed by Options

Medicare Advantage, Supplement, Part D, IRMAA, OOPM — the alphabet soup of Medicare leaves most people paralyzed. We translate it into plain English.

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Worried About Hidden Costs

Premiums, deductibles, copays, and out-of-pocket maximums vary wildly between plans. One wrong choice can cost thousands. We compare every number.

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Afraid of Missing a Deadline

Missing your Initial Enrollment Period can trigger lifetime premium penalties. We make sure you enroll at exactly the right time — no penalties, no gaps.

Plan Comparison

Medicare Advantage vs. Supplement vs. Part D

Not sure which type of Medicare coverage fits your situation? Here's how the three main options stack up — and how we help you decide.

Feature Original Medicare Medicare Advantage (Part C) Medicare Supplement (Medigap)
Monthly Premium Part B only (~$202.90) Often $0–$50/mo $100–$300/mo (varies)
Out-of-Pocket Maximum None — unlimited ✓ Capped (up to ~$8,850) ✓ Very low (Plan G)
Prescription Drug (Part D) Must add separately ✓ Usually included Must add separately
Dental / Vision / Hearing Not covered ✓ Often included Not covered
Network Restrictions – Any provider HMO/PPO network ✓ Any Medicare provider
Referrals Required ✓ No HMO: Yes / PPO: No ✓ No
Best For Low healthcare use Budget + extras Frequent care + travel

Not sure which is right for you? Let Rodney review your specific doctors, medications, and budget — in a free 30-minute call.

📅 Get My Free Plan Recommendation
Simple Process

How We Find Your Perfect Plan

From your first call to your enrollment card — here's exactly what to expect:

1

Schedule a Free 30-Minute Call

No paperwork, no pressure. Just a conversation about your doctors, prescriptions, and budget. We listen first.

2

We Compare Plans from 20+ Carriers

We run your information through every available plan in your zip code — Humana, Aetna, UnitedHealthcare, BCBS, and more.

3

We Explain Your Options in Plain English

No jargon, no pushy sales tactics. We walk you through the top 2-3 plans that match your situation and let you decide.

4

We Handle the Enrollment — For Free

When you're ready, we complete the enrollment paperwork on your behalf. You get your plan card in the mail. Done.

5

Ongoing Annual Reviews

Plans change every year. We review your coverage every fall during Open Enrollment to make sure you're still in the best plan.

6

One Advisor. For Life.

When you have a claim question or need a new card, you call Rodney — not an 800-number call center. Real service, real answers.

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Rodney Cummings

RSSA® · Licensed Medicare Advisor

With over 15 years helping Oregon families navigate Medicare, Social Security, and retirement planning, Rodney built Legacy Wealth Services around one simple belief: you deserve an independent advisor who works for you — not the insurance company.

As a Registered Social Security Analyst (RSSA®), Rodney brings a comprehensive view of your retirement picture — not just your Medicare plan, but how it connects to your Social Security timing, income strategy, and legacy planning.

  • Licensed in 26 states
  • Independent — not captive to any single carrier
  • No cost to you (carriers pay us)
  • Annual reviews to keep your plan optimized
  • Real person, real phone number, real answers
Common Questions

Medicare Questions We Hear Every Day

Most people should enroll during their Initial Enrollment Period — a 7-month window that starts 3 months before the month you turn 65. Waiting too long can result in a permanent late enrollment penalty on your Part B premium. If you're still working with employer coverage, the rules are different — contact us and we'll map out your specific timeline.
Medicare Part A is typically free if you've worked 40+ quarters. Part B costs $202.90/month in 2026 (higher if your income exceeds IRMAA thresholds). Medicare Advantage plans can have $0 premiums in many areas. Medicare Supplement plans run $100–$300/month depending on your age and plan letter. We'll show you the exact numbers for your zip code.
Medicare Advantage (Part C) replaces Original Medicare through a private insurer — usually with lower premiums, a network of providers, and extra benefits like dental and vision. Medigap (Medicare Supplement) works alongside Original Medicare to cover your copays and deductibles, letting you see any Medicare-accepting doctor nationwide. The right choice depends on your doctors, travel habits, prescriptions, and budget — that's exactly what we help you figure out.
With Original Medicare or a Medicare Supplement plan, you can see any doctor in the U.S. who accepts Medicare — no referrals, no network restrictions. Medicare Advantage HMO plans require you to use a network and get referrals. PPO plans offer more flexibility but may cost more out-of-network. Keeping your current doctors is one of the first things we check when recommending a plan.
No. Our service is completely free to you. Insurance carriers pay licensed agents a commission when we help you enroll — the same commission regardless of which plan you choose. This means we have zero financial incentive to steer you toward any particular plan. Our only goal is finding you the best fit.
Yes — during Medicare's Annual Enrollment Period (October 15 – December 7 each year), you can switch plans with coverage starting January 1. There's also a Medicare Advantage Open Enrollment Period from January 1 – March 31. Medigap plans may require medical underwriting outside of guaranteed issue periods. We monitor your coverage every year and alert you if a better plan becomes available.
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Ready to Find Your Perfect Medicare Plan?

Whether you're turning 65, reviewing your current coverage, or just confused about your options — a free 30-minute call with Rodney will give you a clear path forward.

📅 Schedule Free Consultation 📞 Call 503-832-8555

Free service · No obligation · Oregon & nationwide