Let's Make Sense of Your Medicare Options
Enrolling for the first time or reviewing your coverage for the year ahead — our Virginia Beach specialists explain your options in plain language. No pressure, no jargon, just a real person who's here to help.
What is Medicare?
Medicare is the federal health insurance program for Americans 65 and older and certain individuals with qualifying disabilities. It's funded through the Social Security and Medicare taxes most Americans pay throughout their working lives.
The program has several parts, and understanding how they fit together is where most people get stuck:
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Part A covers inpatient hospital care, skilled nursing, and some home health services — and is premium-free for most people who've worked at least 10 years.
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Part B covers outpatient care, doctor visits, and preventive services, and comes with a monthly premium.
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Part C (Medicare Advantage) bundles Parts A and B — and often Part D — through a private insurer, typically with additional benefits like dental and vision.
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Part D covers prescription drugs and is offered through private plans.
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Medigap (Medicare Supplement) fills in the cost gaps Original Medicare leaves behind, like deductibles and copays.
Choosing the right combination — and enrolling at the right time — can significantly affect both your coverage and your costs. As independent brokers, we help you compare your options across carriers and find the plan that fits your health needs, preferred providers, and budget.
Joan Harper
Individual Client
I’m just so impressed with Chelsea and her work ethic. She is truly caring and trustworthy. Instead of pushing me towards products that would get her a higher commission, she helped me get exactly what I wanted. I’ve been very happy. I paid nothing but my deductible for my knee replacement surgery and got the doctor that I wanted. Chelsea is top-notch, and does her absolute best for her clients.
How Medicare Works with Full Circle
Whether you're approaching 65 or preparing to retire after 65, we'll help you understand what needs to happen, when it needs to happen, and which coverage options make sense for you.
Step 1: Understand Your Situation
We start with a conversation about where you are today and what you're planning for. We'll talk about your current coverage, Medicare eligibility, desired enrollment timeline, and any upcoming retirement or coverage changes.
Understanding the timing upfront allows us to plan appropriately and help you avoid unnecessary surprises along the way.
Step 2: Evaluate Your Medicare Options
Next, we conduct a needs analysis and help you evaluate the Medicare coverage options available to you, including Medicare Supplement and Medicare Advantage plans.
We'll walk you through the choices, explain how they differ, and help you understand how the available options line up with your healthcare needs, priorities, and budget.
Step 3: Make Your Decision
You don't have to make a decision during the first conversation.
After we've reviewed your options together, you'll have time to consider them and decide how you'd like to move forward. When you're ready, we'll come back together to review your selection, answer any remaining questions, and make sure you're comfortable with your decision.
Step 4: Enroll With Confidence
Once you've made your decision, we'll meet again to complete the enrollment process and help make sure your transition to Medicare coverage goes as smoothly as possible.
And enrolling doesn't mean you're on your own. Full Circle remains available throughout the year whenever questions or issues arise.
What Does it Cost to Get Medicare Help From Full Circle?
Nothing. There is no additional cost to you for our help.
Full Circle Insurance Solutions is compensated by the insurance carriers. That compensation is already built into the cost of the coverage whether you choose to work with an insurance professional or navigate the process on your own.
So why do it alone?
Working with Full Circle gives you someone who understands the Medicare landscape, can help you compare your options, answer your questions, guide you through enrollment, and remain available when you need help later — all without adding a separate fee to your coverage.
Our job isn't to push you toward more coverage than you need. It's to help you understand your options and choose coverage that makes sense for you.
It doesn't cost you more to have someone in your corner. But it can make the process a whole lot easier.
Our Help Doesn't End When You're Enrolled
Choosing your Medicare coverage is only the beginning of the relationship.
Full Circle is here throughout the year when questions come up about your coverage, enrollment, or eligibility. And if you're dealing with a claim that doesn't look right or you're having trouble getting an issue resolved, we'll help research the problem and work toward a resolution.
You shouldn't have to become an insurance expert just because you have insurance. When you need help understanding what's happening, you have someone you can call.
Common Medicare Questions
I am overwhelmed with the many Medicare Supplement options I see advertised. How do I know which coverage is right for me?
The right Medicare Supplement plan depends on your healthcare needs, preferred providers, and budget — and there's no one-size-fits-all answer. It truly is a confusing and stressful time and making the right decision can feel overwhelming. The right coverage is going to differ by individual. When you work with the Full Circle team, your healthcare needs, provider accessibility, and budget are all taken into consideration when determining the right plan for you!
I’m turning 65 this year and will need help enrolling in Medicare.
When you turn 65, you have a 7-month Initial Enrollment Period — starting 3 months before your birthday month — to sign up for Medicare without facing a late penalty. There are certain time periods you can enroll and many options on how to supplement coverage. Work with an expert, like Full Circle, who understands the different components of Medicare and can help you devise the right strategy for you!
I’m turning 65 this year and intend to keep working.
If you're still covered by employer health insurance at 65, you may be able to delay Medicare enrollment without penalty — but the rules depend on your employer's size and how your current coverage is structured. Make sure you work with a team of experts who understand how Medicare coordinates with other coverage, so you are insuring yourself appropriately.
What time restraints do I have with signing up for Medicare?
Unless you were eligible for Medicare due to a disability, your Initial Enrollment Period for Medicare starts 3 months before you turn 65, the month you turn 65, and ends 3 months after you turn 65. If you continue to work past 65, certain Special Enrollment periods will apply. Let Full Circle advise on timelines based on your enrollment needs!
Where and how do I sign up for Medicare?
Most people enroll in Medicare through Social Security — online at ssa.gov, by phone, or in person at a local office — though the process varies depending on which parts of Medicare you're signing up for. To find out your specific course of action, contact Full Circle today!
What do the different parts of Medicare cost?
If you’ve worked more than 40 quarters during your life, there’s a good chance you won’t have a Part A monthly premium. Most Americans will pay a monthly premium for Part B. Any remaining monthly premiums will depend on how you design your supplemental and drug coverage. Let Full Circle help analyze your needs today!
What if I like to travel or move to a new area after signing up?
Medicare coverage while traveling depends on the type of plan you have — Original Medicare provides limited emergency coverage nationwide, but Medicare Advantage plans are often tied to a specific service area. When traveling, emergency coverage is available but will depend on the type of coverage you have. If moving to a new service area, certain policies may need to be changed as some are based on geographical locations. Let Full Circle guide you on your options and potential changes that may need to take place!
Work with Full Circle to determine the right Medicare plan for you!
Call Us: 757-799-1248
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive