Simplify Your Choices
Medicare can be confusing, and small mistakes can have lasting effects. We help you understand your options and choose coverage that fits your needs so you can make decisions with confidence.
A Clear Process, Guided by Licensed Specialists
Our licensed insurance specialists simplify a complicated system.
There’s no cost to work with a Great Waters specialists. We’re paid directly by insurance companies when you choose a plan.
Discovery
We review your current health coverage and discuss your future medical needs.
Engagement
We explain your Medicare options and evaluate which plans fit best with your financial goals.
Enrollment
Once you’re ready, we handle the details and guide you through enrollment.
Ongoing Support
Even after you enroll, our team stays available to help with questions or future changes.
Your Medicare Plan, Your Way
Healthcare costs are one of the biggest expenses in retirement. The wrong Medicare decision can mean higher premiums, gaps in coverage, or penalties that last for years.
We help you plan early and avoid costly missteps by:
Understand how each Medicare option affects your coverage and out-of-pocket costs
Know exactly when to enroll to avoid late penalties and missed opportunities
Choose a plan that fits your doctors, prescriptions, and health needs
Coordinate Medicare decisions with your income and retirement strategy so everything works together
Trusted Guidance, Integrated with Your Financial Plan
Medicare Planning shouldn't stand alone. It's an important part of your full financial picture. If we already understand your income, tax strategy, and retirement plan, we can help you choose coverage that fits your long-term goals.
Medicare Planning FAQs
Explore our frequently asked questions about Medicare planning and how we can assist you.
Yes. Great Waters Financial is licensed to offer both life and health insurance and holds Medicare AHIP certification.
There’s no cost for you to work with a licensed insurance agent at Great Waters Financial. Our guidance is complimentary. No pressure, no hidden fees. If you choose to enroll in a plan through us, the insurance companies pay us directly.
We recommend connecting around age 60 or earlier. Starting early gives you time to understand your options, plan ahead, and avoid last-minute decisions that can be costly.
If you have a Medicare Supplement Plan, check if your doctor accepts Medicare payments. With a Medicare Advantage Plan, you must check that your provider is in-network.
If you are not receiving Social Security, you must enroll in Medicare Parts A and B to receive benefits. If you are receiving Social Security, you may be automatically enrolled. If you are 65 or older, you can decide whether to start or delay Social Security. Your Medicare Part B premium may be deducted from your Social Security check.
If your employer offers health insurance, speak with HR or an insurance advisor to understand how Medicare affects your situation. Depending on your employer’s plan, you may be able to delay enrolling in Medicare without penalty.
If you have questions about your Medicare options, reach out to Great Waters Financial for more information.
