Services
Every recommendation starts with your situation, your doctors, your prescriptions, and your budget, never with a product. Here's what Ricky can help you navigate:
Medicare Advantage (Part C)
Who it is for: People who want lower monthly premiums and one card that bundles hospital, medical, and usually drug coverage, often with dental, vision, and hearing extras.
How it works: Private plans approved by Medicare replace how you receive your Part A and B benefits. Most use provider networks and change their benefits each calendar year.
The honest tradeoff: Lower premiums in exchange for networks, referrals on some plans, and costs that arrive as copays when you use care.
Common mistake: Enrolling without checking that your doctors and prescriptions are in network for the new year.
Medicare Supplement (Medigap)
Who it is for: People who want predictable bills and the freedom to see any doctor in the country who accepts Medicare.
How it works: Works alongside Original Medicare and helps pay the deductibles and coinsurance Medicare leaves behind. Pair it with a standalone Part D plan for prescriptions.
The honest tradeoff: Higher monthly premiums in exchange for very few surprises when you actually need care.
Common mistake: Waiting past your open enrollment window, when health questions can affect approval and price.
Prescription Drug Plans (Part D)
Who it is for: Anyone on Original Medicare or a Supplement, and anyone whose Advantage plan does not include drug coverage.
How it works: Standalone plans that cover your medications, now with a yearly out of pocket cap that protects you from runaway costs.
The honest tradeoff: The cheapest premium is often not the cheapest plan. What matters is your total yearly cost for your exact medication list.
Common mistake: Skipping Part D because you take no medications today, which triggers a penalty that grows every month you wait.
Hospital Indemnity
Who it is for: People on Advantage plans who want protection from daily hospital copays.
How it works: Pays cash benefits directly to you for hospital stays, which you can use for copays, travel, or household bills while you recover.
The honest tradeoff: A small extra premium for peace of mind you hopefully never use.
Common mistake: Assuming your health plan covers everything a hospital stay actually costs.
Dental & Vision
Who it is for: Anyone on Original Medicare plus a Supplement, since Medicare covers very little routine dental or vision care.
How it works: Standalone policies for cleanings, dentures, exams, and glasses, sized to what you actually use.
The honest tradeoff: Waiting periods can apply to major work, so the best time to enroll is before you need it.
Common mistake: Discovering the gap at the dentist chair instead of before.
Life Insurance
Who it is for: Anyone who wants final expenses handled or a legacy left without burdening family.
How it works: From smaller final expense policies with simple approval to larger term and whole life coverage, matched to your budget and goals.
The honest tradeoff: Price rises with age, so the best day to lock coverage is always sooner.
Common mistake: Relying on a small employer policy that ends at retirement.
Annuities
Who it is for: Retirees who want part of their savings converted into dependable income they cannot outlive.
How it works: An insurance contract that grows your money and then pays it back as guaranteed income, immediately or later.
The honest tradeoff: Guarantees come with commitment periods and rules. Ricky explains the fine print before you sign anything.
Common mistake: Buying one without understanding surrender periods and fees.
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