Finally, Simple Medicare
Answers for Your Unique Needs
Turning 65? Get all your Medicare questions answered — live & free.
Medicare Made Simple:
Your 2026 National Guide
Everything you need to know about Medicare in one clear, jargon-free guide — plan types, enrollment periods, top national carriers, ancillary coverage, and a 10-step checklist. Free for all Medicare-eligible Americans.
- Medicare A, B, C & D explained simply
- Advantage vs. Supplement comparison chart
- 2026 enrollment dates & deadlines
- Oregon carrier guide — 6 top plans
- CSG Ancillary: filling the coverage gaps
- 10-step Medicare enrollment checklist
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Open My Guide (PDF)Questions? Call 503-832-8555
Understanding Your Medicare Options
Medicare isn't one-size-fits-all. We help you understand the difference and choose the right path.
Medicare Advantage Plans
Medicare Advantage (Part C) bundles your hospital, medical, and often drug coverage into one plan from a private insurer. Many plans include dental, vision, and hearing with $0 monthly premiums. We compare dozens of carriers to find the right network and benefits for your specific needs and doctors.
- $0 or low monthly premiums available
- Bundled prescription drug coverage
- Extra benefits: dental, vision, hearing
- Works with network doctors & hospitals
Medicare Supplement Plans
Medicare Supplements (Medigap) fill the gaps in Original Medicare — covering copays, coinsurance, and deductibles that Original Medicare leaves behind. If you travel frequently or want the freedom to see any doctor who accepts Medicare without referrals, a Supplement plan may be the right fit.
- See any Medicare-accepting doctor
- Predictable, low out-of-pocket costs
- Great for frequent travelers
- No network restrictions nationally
Prescription Drug Plans (Part D)
The right Part D plan can save you hundreds per year on your medications. We run your specific drug list through every available plan to find the lowest total cost — not just the lowest premium. Avoid the late enrollment penalty and pick a plan that covers your pharmacy and all your medications.
- Run against your actual medication list
- Compare all available carriers
- Avoid late enrollment penalties
- Annual review as your needs change
CSG Ancillary Services — Complete Gap Coverage
Original Medicare leaves gaps — dental, vision, hearing, hospital stays, and critical illness costs can add up fast. Using the CSG platform, the industry's leading Medicare and ancillary quoting tool, we compare dozens of carriers side-by-side to build a complete protection portfolio for every client.
- Dental, Vision & Hearing (DVH) — standalone or bundled
- Hospital Indemnity — "Fill the Gaps" alongside Medicare Advantage
- Cancer, Heart Attack & Stroke (Critical Illness) plans
- Final Expense Life Insurance — cross-sold at point of Medicare review
- Short-Term Home Health Care coverage
- Multiple carriers compared simultaneously via CSG quoting engine
Why CSG? Over 130 million quotes have been run on the CSG platform. It's the same tool top Medicare agents across the country rely on to quote every Supplement and ancillary carrier in one place — giving you the most accurate, side-by-side comparison available.
Beyond Medicare — A Complete Senior Protection Portfolio
A Medicare plan alone often isn't enough. CSG ancillary products fill the gaps that Original Medicare and even Medicare Advantage leave behind — protecting income, assets, and quality of life.
DVH Plans
Routine dental cleanings, crowns, dentures, eye exams, glasses, contacts, and hearing aids are all excluded from Original Medicare. Standalone DVH plans plug these gaps at affordable monthly premiums.
- Preventive & major dental coverage
- Annual vision exam + eyewear allowance
- Hearing aid discount programs
- Standalone or bundled into Advantage
Hospital Indemnity
Medicare Advantage members face copays for every hospital night, ER visit, and outpatient procedure. Hospital Indemnity plans pay cash directly to you — covering those copays so they never come out of pocket.
- Per-day inpatient hospital benefit
- ER visit & ambulance cash benefit
- Outpatient surgery & skilled nursing
- Pairs with any Medicare Advantage plan
Cancer, Heart & Stroke
A cancer diagnosis or heart attack can cost tens of thousands even with Medicare. Critical illness policies pay a lump-sum cash benefit upon diagnosis — used however you need it.
- Lump-sum benefit on first diagnosis
- Covers cancer, heart attack & stroke
- No restrictions on how funds are used
- Helps protect retirement savings
Final Expense Life Insurance
Simplified-issue whole life policies that cover funeral costs, medical bills, and end-of-life expenses — keeping the burden off family members. Cross-sold seamlessly alongside Medicare reviews.
- No medical exam required
- Guaranteed issue options available
- Coverage from $5,000 to $30,000
- Builds modest cash value over time
Short-Term Home Health
Medicare limits home health coverage. Short-term home health care policies extend coverage for recovery after surgery, illness, or injury — so you can heal at home without depleting savings.
- Post-surgical & illness recovery
- Skilled nursing & therapy at home
- Personal care aide assistance
- Affordable premiums for seniors
Side-by-Side Carrier Comparison
We use CSG Actuarial — the industry's #1 Medicare and ancillary quoting tool — to compare every available carrier in your area simultaneously. You see real rates, real benefits, no surprises.
- 130M+ quotes run on CSG platform
- All major ancillary carriers in one view
- Accurate, real-time pricing
- Quote and enroll on the same platform
Get Your Complete Medicare + Ancillary Review
In one free consultation, we'll review your Medicare coverage AND quote every ancillary product that could protect your health and finances — all compared side-by-side using the CSG platform.
Medicare Gap Coverage Guide: What You're Missing
The 6 ancillary coverage types, real cost scenarios, and a planning checklist — free.
Are You on the Right Medicare Plan Right Now?
Medicare plans change every year — premiums, formularies, networks, and benefits all shift on January 1. The plan that was right for you in 2023 may be costing you significantly more in 2026. Here are the signs it's time for a review.
Your prescriptions changed
A new drug, a dosage change, or a generic becoming available can completely change which plan covers you best. Plan formularies shift annually — your drugs may no longer be in the preferred tier.
Your doctor left the network
Medicare Advantage networks change every year. Your primary care physician or specialist may no longer be in-network — meaning higher out-of-pocket costs or a need to find a new provider.
You got a prior authorization denial
If your plan has denied or delayed a procedure, test, or specialist referral, that's a red flag. Medicare Supplements (Medigap) don't require prior authorization — you see who you want, when you need it.
Your premium increased significantly
Annual enrollment notices (the "ANOC" letter) often bury premium increases in fine print. If your monthly premium jumped or your out-of-pocket maximum increased, a better option may be available.
You had a major health event
A new diagnosis, a surgery, or the start of ongoing treatment often changes the math entirely. What worked when you were healthy may be far more expensive now that you need more care.
You moved to a new area
Medicare Advantage plans are geographically tied. Moving to a new county or state may mean your current plan is no longer available — or that significantly better options exist in your new location.
Annual Enrollment Period: October 15 – December 7
This is the one window each year when you can change your Medicare Advantage or Part D plan, effective January 1. Don't wait until October — start your review now so you're prepared to act when the window opens. Rodney's reviews are free, year-round, and have no obligation.
A 30-minute Medicare review with Rodney costs nothing and could save you hundreds — or thousands — per year. He compares every plan in your zip code against your specific doctors, drugs, and budget.
Why Choose Legacy Wealth Services?
Personalized Recommendations
No two Medicare situations are alike. We build a plan around your specific doctors, medications, budget, and preferences — not a national template.
Local Expertise
We know Oregon's Medicare landscape — and serve clients across the country. We know which plans have the best local networks wherever you live, and we keep up with annual changes so you don't have to.
Comprehensive Plan Reviews
We review your plan every year during open enrollment to ensure you're still in the best plan. Your life changes — your coverage should too.
Peace of Mind
We work for you, not the insurance companies. As independent agents, we can place you with any carrier — so our only loyalty is to your best interest.
Here's What You'll
Walk Away Knowing
- Why filing at the wrong time can trigger a lifetime penalty on your Part B premiums
- The key difference between Advantage and Supplement — and which one protects you better long-term
- How to check if your doctors and prescriptions are covered before you enroll — not after
- The annual enrollment window most people miss — and what it costs them
- Why working with an independent agent (vs. a carrier's 800 number) means more options and no upcharge
Ready to Get Clear on Medicare?
A 20-minute call can save you hundreds per year and years of confusion. No obligation, ever.
Oregon License #18847712 · No-pressure, no-obligation consultation
Prefer to Shop Plans on Your Own?
No problem — use Rodney's personal PlanEnroll link to browse and compare Medicare Advantage, Supplement, and Part D plans from top carriers at your own pace. Your selections are still associated with Legacy Wealth Services, so Rodney remains available to answer questions along the way.
Get Your Free Medicare Review
Fill out the short form below and Rodney will be in touch within one business day.
Technology-Powered Medicare Guidance
I use the same advanced platform trusted by top Medicare agents nationwide — so I can find your best plan in seconds, not days, and manage your coverage for years to come.
Instant Multi-Carrier Quotes
I quote Medicare Advantage and Prescription Drug Plans from dozens of carriers in seconds — all in one place, with no hours of research on your part.
Electronic Enrollment
No paperwork, no faxing, no waiting. Applications are submitted electronically so your coverage gets processed faster.
Policy Tracking & Renewal Alerts
Your policy details are tracked year-round. When something changes at renewal time, I'm already on it — you don't have to remember a thing.
CMS-Compliant Outreach
All communications are fully compliant with CMS and TCPA requirements — no spam, no violations. Just timely, relevant information about your coverage.
Medicare Advantage & Part D Plans
Access to the full landscape of Medicare Advantage and Prescription Drug Plans available in your area — not just one carrier's portfolio.
Accessible Anytime
Need a quick answer after hours? My digital tools let me pull up your policy details and answer your questions from anywhere, fast.
Medicare Disclosure: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY users 1-877-486-2048, 24 hours a day / 7 days a week to get information on all of your options.
The Medicare Enrollment Checklist
Turning 65 and feeling overwhelmed by Medicare? This free checklist walks you through every step — from understanding your enrollment windows to comparing plan types — so you don't miss a deadline or overpay for coverage.
- ✓ Medicare Parts A, B, C & D — what each covers (and what it doesn't)
- ✓ Critical enrollment deadlines to avoid lifetime penalties
- ✓ Advantage vs. Supplement: which is right for YOU?
- ✓ 5 questions to ask BEFORE choosing a plan
- ✓ IRMAA income thresholds that can increase your premiums
Stay Updated on Medicare
Get quarterly Medicare updates, open enrollment alerts, and plan comparison tips from Rodney — delivered to your inbox.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
FREE DOWNLOAD
Medicare Made Simple:
Your 2026 Guide
Understand Parts A, B, C & D — plus Advantage vs. Supplement plans, enrollment windows, and the 5 questions to ask before you choose. Plain language. No jargon.
⬇ Download Free GuideGet Medicare tips in your inbox
Join thousands of pre-retirees getting plain-language Medicare guidance.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
FREE DOWNLOAD
Medicare Special Needs Plans:
The 2026 Guide to D-SNP, C-SNP & I-SNP
Discover who qualifies for Special Needs Plans — coverage designed for people with Medicaid, chronic conditions, or institutional care needs. Includes eligibility rules, benefit comparisons, and how to enroll during your next Special Enrollment Period.
⬇ Download SNP GuideSpecial Needs Plan questions?
Rodney specializes in finding the right SNP for qualifying beneficiaries. Get expert guidance delivered to your inbox.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
Still have questions about Medicare?
Read Our Complete Medicare FAQ →From the Blog
Expert insights on Medicare coverage, costs, and decisions
Turning 65 Medicare Checklist: Everything You Need to Do Before Your Birthday
Don't miss a single enrollment window. This step-by-step checklist walks you through every Medicare decision you'll face at 65.
Read More → Plan ComparisonMedicare Advantage vs. Medicare Supplement: Which Is Right for You in 2026?
The most important Medicare choice you'll make — a side-by-side comparison of costs, flexibility, and long-term value.
Read More → Supplement PlansMedicare Supplement Plan G vs. Plan N in 2026: The Complete Side-by-Side Comparison
Plan G vs. Plan N is the new Plan F vs. Plan G debate. Here's exactly how to decide which Medigap plan saves you more.
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