Our services
Medicare Planning
We assist clients in evaluating their Medicare options to ensure they select coverage that aligns with both their health priorities and financial goals. From Original Medicare and Medicare Supplements to Advantage and Prescription Drug plans, Acclivus provides the clarity and confidence clients need to make well-informed choices.
Our approach
How we help
01
Understand your coverage windows
Your Initial Enrollment Period, the Annual Election Period each fall, and Special Enrollment Periods all carry different rules. We map your dates first so a missed window never costs you a penalty.
02
Compare the paths side by side
Original Medicare with a Supplement, or Medicare Advantage. Each path fits a different mix of doctors, prescriptions, travel habits and budget. We lay out what each means for you specifically.
03
Check your doctors and prescriptions
A plan is only as good as its network and formulary. Before any recommendation, we verify your physicians, hospitals and medication list against the plans available in your county.
04
Review every year
Plans change annually. We re-check your coverage each Annual Election Period so it keeps pace with your health and your budget.
Common questions
Have more questions?
Does it cost anything to work with an Acclivus advisor on Medicare?
No. Our licensed agents are compensated by the insurance carriers, and the premium you pay is the same whether you enroll through an agent or directly with the carrier.
When can I enroll or change my Medicare coverage?
Most people first enroll during the 7-month window around their 65th birthday. After that, the Annual Election Period runs October 15 through December 7 each year, and certain life events open Special Enrollment Periods. We help you confirm which windows apply to you.
The three Medicare enrollment windows, explainedShould I choose a Medicare Supplement or Medicare Advantage?
It depends on your doctors, prescriptions, budget and how you travel. Supplements offer broad provider access with predictable costs; Advantage plans often bundle extra benefits with network trade-offs. We walk through both paths with your specifics before you decide.
Medigap or Medicare Advantage? The trade-off in plain wordsWhat's the difference between Medicare Advantage and a Medicare Supplement, cost-wise?
Supplements generally carry a higher monthly premium but little to no cost when you actually use care. Advantage plans often have a lower or $0 premium but include copays, coinsurance and an annual out-of-pocket maximum. Which costs less depends entirely on how much care you use in a given year.
Can I switch from Medicare Advantage back to a Supplement later?
You can request the switch, but after your initial enrollment window, most states allow the Supplement carrier to medically underwrite you — meaning they can decline coverage or charge more based on your health. A few states have guaranteed-issue protections. We check your state's rules before you commit to either path.
What happens if I don't enroll in Medicare when I'm first eligible?
If you don't have other creditable coverage (such as an active employer plan), delaying Part B and Part D can trigger permanent monthly penalties added to your premium for as long as you're enrolled. We map your specific eligibility date so this doesn't happen by accident.
Do you help with Medicare for someone who isn't a U.S. citizen or hasn't worked the required quarters?
Eligibility rules differ for permanent residents and those with limited work history. We walk through your specific eligibility path — including premium-based Part A — rather than assuming the standard rules apply.
Quick check
Tell us where you stand
Three quick questions about medicare — your answers go straight to a licensed advisor, who replies with guidance specific to your situation. No generic packet.
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