Medicare Guidance You Can Trust

Stethoscope resting on Medicare document.

Turning 65? Start planning 3–6 months before your Medicare eligibility date.

Helping you navigate your healthcare with clarity and confidence, while also providing essential financial planning and insurance solutions, including secure life insurance.

Find the right Medicare plan for you.

Doctor discussing medical information with patient.

Medicare Doesn't Have to Be Confusing

Turning 65 or enrolling in Medicare can feel overwhelming. Between enrollment periods, Parts A, B, C, and D, Medicare Supplement plans, and Medicare Advantage plans, there's a lot of information to sort through.

At Sigman Family Agency, our goal is to simplify the process, answer your questions, and help you understand your options—so you can make informed decisions with confidence.

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Who We Help

Turning 65?

We'll help you understand your Medicare choices before your Initial Enrollment Period begins.

Already on Medicare?

We'll review your current coverage to help ensure it still meets your needs.

Retiring Soon?

We'll help you understand how Medicare works with employer coverage and retirement timing.

New to Ohio?

We'll help review your Medicare options after your move.

Young nurse assisting elderly woman with tablet.

Understanding Your Medicare Options

Original Medicare

Learn how Medicare Parts A and B work together.

Medicare Advantage

Understand how Medicare Advantage plans combine hospital, medical, and often prescription drug coverage.

Medicare Supplement Insurance

Learn how Medigap plans can help pay many out-of-pocket costs associated with Original Medicare.

Prescription Drug Plans

Understand how Part D coverage helps with prescription medication costs.

Schedule Your Medicare Education Session

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Why Work With Sigman Family Agency?

Independent Guidance
Education First
Personalized Medicare Reviews
Local Service
Ongoing Support

Medicare isn't just about choosing a plan—it's about understanding your options and making decisions that fit your health, budget, and future.

Jennifer believes education comes first. Every conversation is centered around helping you understand your choices so you can feel confident in your decisions.

Frequently Asked Questions

Please reach us at jennifersigman@sigmanfamilyagency.com if you cannot find an answer to your question.

When should I enroll in Medicare?

Most people become eligible for Medicare at age 65. Your Initial Enrollment Period begins three months before the month you turn 65, includes your birthday month, and continues for three months after. Enrolling on time can help you avoid late enrollment penalties and gaps in coverage.

What happens if I'm still working at age 65?

If you have health coverage through your employer or your spouse's employer, your Medicare enrollment options may be different. The right decision depends on factors such as the size of the employer and the type of coverage you have. We'll help you understand how your current coverage works with Medicare.

What's the difference between Medicare Supplement and Medicare Advantage?

Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Many people also choose a Medicare Supplement plan and a Part D prescription drug plan.

Medicare Advantage plans are offered by private insurance companies approved by Medicare and combine your Medicare benefits into one plan. Many also include prescription drug coverage and additional benefits.

We'll help you understand how each option works so you can make an informed decision.

Do I need a Part D plan?

Even if you don't currently take prescription medications, it's important to review your options. Delaying enrollment without other creditable prescription drug coverage could result in a late enrollment penalty if you decide to enroll later.

Can I change my Medicare coverage later?

Yes. Depending on your situation, you may have opportunities to review and make changes to your Medicare coverage during certain enrollment periods or if you qualify for a Special Enrollment Period. We'll help you understand when changes may be available and what options you have.

How much does Medicare cost?

The cost of Medicare depends on several factors, including the coverage you choose. While many people receive Part A without a monthly premium if they meet eligibility requirements, Part B has a monthly premium, and other plans may have additional premiums, deductibles, copayments, or coinsurance.

We'll help you understand the costs associated with your options.

What information should I have before my Medicare appointment?

To make the most of your appointment, it's helpful to have:

Your Medicare card (if you have one)
A list of your current medications
Your preferred doctors and pharmacies
Information about any current health insurance coverage
A list of questions or concerns you have about Medicare

Do you charge for Medicare consultations?

No. Our Medicare consultations are provided at no cost to you. We'll take the time to answer your questions, explain your options, and help you understand available plans so you can make an informed decision about your coverage.