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With Medicare, you have choices. Figuring out how those choices work together—and which fit your needs—can be complex. I help people approaching Medicare—and those already enrolled—sort through the details, focus on what matters to them, and evaluate coverage available through the insurance companies I represent.
Premiums and advertised benefits are only part of the picture.
The coverage that fits you depends on how a number of details work together—many of which aren't obvious at first glance.
I look at the providers you want to keep and whether the coverage we’re considering works with them.
I review the hospitals and health systems that matter to you and how they fit with the options we’re evaluating.
I look at how your medications are covered, what restrictions may apply, and what your costs could be.
Where you fill your prescriptions can matter. I include your preferred pharmacy in the comparison.
I look beyond premium to things like out-of-pocket costs, travel, provider flexibility and how you prefer your coverage to work.

Depending on your needs, the right approach may involve Original Medicare paired with Medicare Supplement insurance and prescription drug coverage—or Medicare Advantage.
Medicare Advantage plans provide your Medicare benefits through a private insurance company and may include prescription drug coverage and additional benefits.
I help you evaluate whether a plan’s network, costs and coverage rules fit the way you use healthcare.
Medicare Supplement insurance, also called Medigap, works alongside Original Medicare to help with certain out-of-pocket costs.
I help you evaluate the Supplement options available to you and how they fit your priorities for provider access, predictability and cost.
Prescription drug coverage can be a separate Part D plan with Original Medicare or included in many Medicare Advantage plans.
Your medications and pharmacy preferences are part of the comparison.
Pre-Plan Now is based right here in Warren/Howland.
You’re working with someone who lives and works in the same Northeast Ohio communities you do—not an anonymous national call center.
I represent multiple insurance companies offering Medicare coverage in our area rather than working for one carrier exclusively.
That gives us a range of locally available options to evaluate, backed by experienced Medicare professionals and resources when deeper research is needed.
You work directly with me.
I take the time to understand what matters to you, do the research, and explain the meaningful differences in plain English.
Tell me what matters to you. I’ll do the research, help you understand the meaningful differences, and work with you to evaluate the options I represent.
Pre-Plan Now is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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