To speak with a licensed agent, call (585) 993-2041 (TTY 711 M-F, 9am-5pm) or email agentmulvehill@gmail.com

Emily Mulvehill

Your Guide to
Medicare Options

Information, Plan options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan based on your needs can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

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      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare’s “Donut Hole”

      This situation creates a coverage gap for some beneficiaries as they reach their annual coverage limits and have to pay more out-of-pocket.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Articles and Information


      4 Things You Should Do to Protect Yourself From Medicare Scams

      Scammers often target Medicare beneficiaries to steal their personal information, Medicare numbers, and even their money. Here’s what you need to know.

      Read More

      Why Medicare Advantage Plans are Popular with Many Beneficiaries

      Medicare Advantage plans are becoming increasingly popular among beneficiaries for several compelling reasons. Here’s why…

      Read More

      Staying Sharp in Retirement: Activities to Keep Your Mind Active and Engaged

      By incorporating these brain-healthy habits into your retirement routine, you can keep your mind sharp and engaged for years to come!

      Read More

      How Prescription Drugs Can Affect Your Memory

      Certain prescription drugs can interfere with our memory processes, and understanding these medications and their potential impact is crucial for maintaining cognitive health.

      Read More

      Tips for Reviewing and Updating Your Retirement Plan

      Retirement planning is an ongoing process, and regular reviews and adjustments are essential for long-term financial success. Here is a checklist of items to review regularly.

      Read More

      Q&A About Insulin Price Changes

      A new law aimed at reducing prescription drug costs for millions of Medicare beneficiaries has introduced a significant provision for insulin.

      Read More

      Top Health Screenings for Seniors: What You Need to Know

      Regular health screenings become increasingly vital as we age to detect and manage potential health issues before they become serious….

      Read More

      Understanding Your Options for Medicare and Long-Term Care

      Understanding Medicare’s limitations regarding long-term care is crucial for effective planning. Contact us if you have any questions or if we can be of assistance.

      Read More

      8 Tips for Preventing and Coping with Osteoporosis

      Are you concerned with osteoporosis? Talk to your primary care physician about your concerns and they can recommend important screenings and other measures to protect your bone and overall health.

      Read More

      Read Additional Articles

      Join Our Newsletter List

      Each month we deliver health tips straight to your email inbox. Try it, we think you’ll like it!

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