Part A
Hospital Insurance
Inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people who worked and paid Medicare taxes long enough pay no monthly premium for Part A.
Check the background of this firm on
Turning 65, retiring, or reviewing your coverage for next year? Sit down with a licensed agent who already understands how healthcare costs fit into your income, your taxes, and the plan you have been building for decades.
Prefer to talk? Call (866) 653-PLAN Mon–Fri, 8:30am–5pm
Educational review. No fee. No obligation to enroll.
A Licensed Agent, Not A Call Center
You work with the same person this year and every year after.
Your Situation First, Product Second
We start with your medications and your doctors — not with a plan.
Central Arkansas, However You Prefer
By phone, virtually, or in person at our offices.
Financial Advisor · Little Rock · AR Insurance License #17491384
Before joining GenWealth Financial Advisors in 2025, Jason served as a Marketing Director specializing in life insurance, long-term care, disability insurance, and annuities, supporting financial professionals and firms across the country. He returned to working directly with individuals, families, and business owners because that is the work he wanted to do — helping people build financial clarity and confidence.
Jason walks clients through the same review every time — medications, providers, specialists, and how you actually use care — and then explains the options he is able to offer. If a Medicare Supplement fits you better than a Medicare Advantage plan, that is what he will tell you.
Straightforward questions often take one call. Start here if you are not sure what you need.
Share your screen, review your medication list together, and compare options side by side.
Sit down with us in Little Rock, Bryant, or Conway. We also schedule concentrated appointment days in surrounding communities — ask when you call.
Medicare runs on deadlines. Miss one and the cost can follow you for the rest of your life. These are the windows that matter most.
Initial Enrollment
Turning 65
A seven-month window: the three months before your 65th birthday month, your birthday month, and the three months after. Starting early is how coverage begins on time.
Annual Enrollment
Oct 15 – Dec 7
Each year you can join, switch, or drop a Medicare Advantage or Part D plan. Changes you make take effect January 1.
Medicare Advantage Open Enrollment
Jan 1 – Mar 31
Already in a Medicare Advantage plan? You get one opportunity to switch plans or return to Original Medicare.
Special Enrollment
Still Working At 65
Employer coverage may let you delay Part B and Part D without a penalty — but the rules depend on the size of your employer. Confirm before you assume.
Enrollment periods, plan availability, and program rules are set by the Centers for Medicare & Medicaid Services and can change from year to year. Always confirm current dates and your own eligibility at Medicare.gov or 1-800-MEDICARE.
Most of the confusion around Medicare comes from the alphabet. Here is what each part actually does.
Part A
Inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people who worked and paid Medicare taxes long enough pay no monthly premium for Part A.
Part B
Doctor visits, outpatient care, preventive services, lab work, and durable medical equipment. Part B carries a monthly premium, and higher-income households pay an income-related adjustment on top of it.
Part C
Private plans that bundle Part A and Part B — and usually Part D — into a single plan. These plans generally use provider networks and may include coverage Original Medicare does not. You continue paying your Part B premium.
Part D
Prescription drug coverage offered through private insurers. Going without creditable drug coverage can create a late-enrollment penalty that stays with you — even if you take no medications today.
Sold separately from the four parts, a Medicare Supplement policy helps cover costs that Original Medicare leaves to you. Medigap is used alongside Original Medicare — not with a Medicare Advantage plan — and it does not include prescription coverage, which is why it is typically paired with a standalone Part D plan. Medigap policies carry their own monthly premium, and medical underwriting may apply if you apply outside your Medigap open enrollment window.
Nearly every Medicare decision comes down to one fork in the road. Both paths are legitimate. They simply trade different things.
Path One
You keep Original Medicare, add a Medicare Supplement policy to help with what it does not cover, and add a standalone Part D plan for prescriptions.
Path Two
You receive your Part A and Part B benefits through a single private plan that usually includes prescription coverage as well.
The right answer depends on your prescriptions, your primary care provider, the specialists you see, how much you travel, and what your household could absorb in a bad year. We do not lead with a product and work backward. We start with your circumstances and let them point to the coverage — and we will tell you plainly when the tradeoff is a close call.
One conversation, usually under an hour. Here is exactly what happens in it.
Your prescriptions and dosages, your primary care provider, the specialists you see, any procedure you know is coming, and how often you are away from home. This is the part that actually determines the answer.
We review the plans we are able to offer in your area and check how each one handles your specific medications and your specific providers. We will also tell you where our offerings stop, so you know what you are and are not seeing.
You see the tradeoffs in writing — provider access, prescription coverage, and what your costs look like in a normal year versus a difficult one. No pressure to decide in the room.
If you choose to enroll, we complete the application with you and confirm your effective date. Then we check in with you each year before Annual Enrollment, because plans change even when your health does not.
Healthcare is one of the largest and least predictable line items in retirement. Handling it inside your financial plan — instead of separately from it — is the whole point of doing this with us.
Higher-income households pay an income-related monthly adjustment on Part B and Part D premiums, based on the tax return from two years prior. Roth conversions, capital gains, and the timing of withdrawals can all move that number.
Part B and Part D late-enrollment penalties are generally permanent once they apply. Knowing your enrollment window before it opens is the least expensive planning you will ever do.
Employer coverage, the size of that employer, COBRA, and HSA contributions all interact with Medicare enrollment. Signing up at the wrong moment can cost more than it saves.
Premiums, out-of-pocket maximums, and prescription costs are real, recurring withdrawals. We would rather model them alongside the rest of your plan than leave them as a rounding error.
GenWealth Financial Advisors and LPL Financial do not provide tax or legal advice. Please consult a qualified tax professional regarding your specific situation before acting on anything described here.
No. Plenty of reviews end with “stay where you are.” But plan drug lists, provider networks, and cost structures can change every plan year, and the plan that fit you last year may not fit you next year. A review confirms your coverage still works — or tells you early enough to do something about it.
There is no fee for a Medicare review. If you choose to enroll in a plan through us, we are compensated by the insurance carrier. That compensation does not change what you pay for the plan, and we will tell you which plans we are able to offer before you make any decision.
Start about three months before your birthday month. Whether you can delay Part B and Part D without penalty depends on your employer coverage and the size of your employer, and whether you contribute to an HSA changes the timing further. This is a common place where a well-intentioned decision creates a permanent penalty, so it is worth a conversation before you file anything.
Yes, and it is usually worth doing together. Spouses frequently become eligible at different times and have different medications and providers, which means the right coverage for one is not automatically the right coverage for the other.
A current list of your prescriptions with dosages, the names of your primary care provider and any specialists you see, your Medicare card if you already have one, and any insurance cards you currently carry. If you are still working, bring your employer plan summary as well.
You can learn about how Medicare works at any point in the year. Actually enrolling in or changing a Medicare Advantage or Part D plan can only happen during a valid enrollment period — your Initial Enrollment Period, the Annual Enrollment Period (October 15 to December 7), or a Special Enrollment Period you qualify for. We will tell you which one applies to you.
No. Medicare planning is an additional service available to you, handled by a licensed insurance agent on our team. Your existing accounts, advisor relationship, and advisory agreement are unaffected. Nothing about a Medicare review obligates you to purchase an insurance product.
Tell us where you are in the process. We will get you on the calendar with Jason — by phone, virtually, or in person — and send a short list of what to have handy.
Prefer To Just Call?
(866) 653-PLANMonday–Friday, 8:30am–5pm. Ask for the Medicare team and we will get you scheduled.
Requesting a review does not enroll you in anything and does not obligate you to purchase an insurance product.
Request A Medicare Review