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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 20+ 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.

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 20+ 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:

−3
IEP Opens
Window begins. Start gathering Medicare info.
−2
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

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
Oregon Licensed

Carriers I Work With

20+ 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