Waters & Dance Insurance Solutions
Medicare Made
Simple & Clear
Turning 65 is exciting — but Medicare choices can feel overwhelming. As independent agents, we compare every plan available in your area and guide you to the right coverage at no cost to you.
We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program. Medicare Advantage and Part D (PDP) plans are offered by private insurance companies that contract with Medicare. Enrollment in a plan depends on the plan's contract renewal with Medicare. Every year, Medicare evaluates plans based on a 5-star rating system.
Your Options
Medicare Plan Types
Every plan type serves a different need. We help you understand the differences and choose with confidence.
All-in-one coverage
Medicare Advantage (Part C)
Medicare Advantage plans bundle your Original Medicare (Parts A & B) with additional benefits like dental, vision, hearing, and often prescription drug coverage — all in one plan.
- Often $0 or low monthly premiums
- Includes prescription drug coverage (Part D)
- May include dental, vision & hearing
- Out-of-pocket maximum protects you from large bills
Fill the gaps in Original Medicare
Medicare Supplement (Medigap)
Original Medicare covers about 80% of your costs — Medigap picks up the rest. These standardized plans help eliminate surprise bills and give you freedom to see any Medicare-accepting doctor.
- Covers copays, coinsurance & deductibles
- See any doctor who accepts Medicare — no networks
- Predictable monthly costs
- Guaranteed renewable for life
Prescription drug coverage
Medicare Part D
Part D plans help cover the cost of prescription medications. With dozens of plans available, we compare formularies and pricing to find the best fit for your specific medications.
- Covers brand-name and generic drugs
- We match plans to your exact prescriptions
- Avoid the Late Enrollment Penalty
- Annual plan review to ensure best pricing
Our Process
How We Help You Enroll
Free Consultation
We start with a no-pressure conversation to understand your health needs, preferred doctors, medications, and budget.
Plan Comparison
We shop every carrier available in your ZIP code and present your best options side-by-side — clearly explained, no jargon.
Enrollment & Support
We handle the paperwork and walk you through enrollment. And we're here every year at renewal to make sure your plan still fits.
Common Questions
Medicare FAQs
When can I enroll in Medicare?
Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month and ends 3 months after. Missing this window can result in late enrollment penalties, so it's important to plan ahead.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with a private plan that often includes extra benefits. Medigap works alongside Original Medicare to cover your out-of-pocket costs. The right choice depends on your health needs, budget, and preferred doctors.
Do I need a separate Part D plan?
If you choose Original Medicare with a Medigap plan, you'll typically need a separate Part D plan for prescriptions. Medicare Advantage plans usually include drug coverage built in.
Is there a cost to work with your agency?
No — our services are completely free to you. We're compensated by the insurance carriers, so you get expert guidance at no cost.
Ready to Find Your Medicare Plan?
Our licensed agents are ready to help — at no cost to you. Call us or request a free quote online.