Medicare Made Simple.
Guidance You Can Trust.
Confused by Medicare choices? Steven Carlson helps people turning 65 — and those already on Medicare — find the right plan for their health, their doctors, and their budget. No pressure. No jargon. Just honest advice.
Free Resources
Everything you need to understand Medicare.
Download any of these free guides and tools — no catch, no sales pitch. Use them to get informed before we talk.
The Complete Medicare Guide
Parts A, B, C, and D explained in plain English. Includes a plan comparison chart and common mistakes to avoid.
Which Medicare Plan Is Right for You?
Answer 5 questions about your health, budget, and lifestyle — and get a personalized plan recommendation instantly.
Turning 65 Medicare Enrollment Checklist
A step-by-step checklist for your 7-month enrollment window. Covers deadlines, documents, and 7 costly mistakes to avoid.
Medicare 101
Understanding your coverage options.
Medicare has four parts — and two main ways to receive your benefits. Here's what each one does.
Medicare Part A
Hospital insurance. Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services.
- Inpatient hospital care
- Skilled nursing facility (after hospital stay)
- Hospice care
- Most people get Part A free at 65
Medicare Part B
Medical insurance. Covers doctor visits, outpatient care, preventive services, and medically necessary services.
- Doctor and specialist visits
- Outpatient procedures
- Preventive screenings
- Monthly premium applies
Medicare Part D
Prescription drug coverage. Sold by private insurers. Covers most brand-name and generic prescription drugs.
- Brand-name and generic drugs
- Different formularies per plan
- Late enrollment penalty if missed
- Can be standalone or bundled
Fills the gaps in Original Medicare
A Medigap policy pays some or all of the deductibles and coinsurance that Original Medicare doesn't cover. You keep your Medicare — Supplement wraps around it. See any doctor who accepts Medicare, anywhere in the country.
An all-in-one alternative to Original Medicare
Medicare Advantage plans bundle Parts A and B, often include Part D drug coverage, and sometimes add extra benefits like dental, vision, and hearing. Plans use networks — HMO or PPO — and often have lower monthly premiums.
Steven Carlson, CMIS, CLU, ChFC, RSSA, is an educator and believer that not just information, but the right information leads to making the right choices. Today, individuals and families alike face unprecedented challenges. Together, we can make sure having the right insurance plan is not one of them. If you want the right plan, start by finding the right agent.
Client Reviews
Real people. Real results.
"A very honest and knowledgeable person. Would highly recommend letting Steven Carlson take care of your insurance needs. Made a complicated process feel completely manageable."
"Very professional. They provided me with detailed advice when I was making confusing decisions about my Medicare coverage. I never felt pressured — just genuinely well-informed."
"Have done business with this agency three times now — always easy, always done with my interest and needs at the forefront. Wouldn't go anywhere else for Medicare guidance."
Ready to simplify your Medicare?
Book a free 30-minute call with Steven Carlson. No scripts, no pressure — just clear answers for your specific situation.
Book My Free ConsultationPrefer to call? (772) 233-8513