Medicare & Healthcare Planning in Minnesota & Wisconsin

We help individuals across Minnesota and western Wisconsin plan for healthcare costs in retirement-so you can make informed Medicare choices, avoid surprise expenses, and protect your income long-term. Whether you're enrolling for the first time or reviewing your options during open enrollment, we'll guide you through each step of the process and help ensure your healthcare plan supports your financial plan.

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How We Help You Plan for Healthcare in Retirement

We Help You Understand Medicare

We break down Parts A, B, C & D in plain English and explain how they apply to your situation-including what's covered and what isn't.


We Review Supplement & Advantage Plans

We walk you through your options for additional coverage, comparing Medigap and Medicare Advantage plans based on cost, flexibility, and long-term fit.


We Budget for Out-of-Pocket Costs

Healthcare is one of the biggest expenses in retirement. We help you estimate future costs and build them into your overall income strategy.


We Coordinate Benefits with Your Plan

Your Medicare decisions impact your Social Security, taxes, and retirement income. We make sure your healthcare and financial strategies work together.

What's Included in Our Medicare & Healthcare Planning Services

01

Medicare education & enrollment guidance

02

Comparison of Medigap vs. Medicare Advantage

03

Prescription drug plan (Part D) evaluation

04

Cost projection & budget planning

05

Integration with Social Security & retirement income

06

Annual review support during open enrollment

Who We Serve

We support individuals and couples across Red Wing, Lake City, Northfield, and throughout Minnesota and western Wisconsin who want clarity and confidence when choosing Medicare coverage. Whether you're approaching age 65 or reevaluating your current plan, we’re here to help you make smart, well-timed choices.

Common Medicare Planning Questions

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  • When should I sign up for Medicare?

    Most people should enroll around their 65th birthday. We'll help you know exactly when to act and what steps to take.

  • What's the difference between Medigap and Medicare Advantage?

    Medigap helps pay out-of-pocket costs. Medicare Advantage is bundled coverage with provider networks. We'll help you compare both based on your needs.

  • Will Medicare cover all my healthcare costs?

    No. You'll still have deductibles, copays, and services that aren't covered. We'll help you budget for what Medicare doesn't pay.

  • Do I need drug coverage if I'm healthy?

    Yes. Even if you don't take medications now, enrolling in a Part D plan can help avoid late penalties and ensure future coverage.

  • How do Medicare decisions affect my retirement income?

    They impact how much you spend and how benefits are taxed. We help you make coordinated decisions that keep your overall plan on track.

Let's Talk About Your Medicare Plan

Whether you're just getting started or unsure if your current plan still fits, we'll help you make informed, confident healthcare choices for retirement.