Your Personal Guide Through Medicare Decisions
We Offer One-on-One Consultations Tailored to
Your Unique Medicare Needs and Budget
Navigate Medicare Options With Confidence in Dallas–Fort Worth Area.
At Turning 65 Advisor, we provide personalized, one-on-one Medicare consultations designed around your unique needs. We take the confusion out of Medicare by clearly explaining your options and helping you make confident, informed decisions.
We also can assist you with enrolling in Medicare, guiding you through the process to ensure everything is completed correctly and on time.
We walk you through how Medicare Supplement plans work, review Prescription Drug Plans, and carefully evaluate your medications to find the plan that best fits your current prescriptions. Each year, we review your coverage to ensure you remain on the most cost-effective plan for the new year.
If a Medicare Advantage plan is the right choice, we confirm your doctors are in-network, review prescription coverage, and re-evaluate your plan annually during Open Enrollment to make sure it continues to meet your needs.
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How to pick the best supplement plan for you
How a Medicare Supplement Plan Works
A Medicare Supplement plan (also called Medigap) works alongside Original Medicare to help cover costs that Medicare doesn’t pay, such as deductibles, copays, and coinsurance.
With a Medicare Supplement plan:
- You can see any doctor or hospital nationwide that accepts Medicare—no networks required
- Referrals are not needed to see specialists
- Most out-of-pocket medical costs are covered, helping reduce unexpected bills
- Coverage stays the same wherever you live or travel in the U.S.
Medicare Supplement plans do not include prescription drug coverage, so a separate Part D Prescription Drug Plan is added to complete your coverage.
At Turning 65 Advisor, we help you enroll in Medicare, explain your supplement plan options, and review your coverage each year to ensure it continues to meet your needs.
What to Consider When Choosing a Medicare Advantage Plan
What to Consider When Choosing a Medicare Advantage Plan
Before enrolling in a Medicare Advantage plan, it’s important to be sure it fits your healthcare needs.
Key things to review include:
- Doctor & hospital networks
- Prescription drug coverage
- Out-of-pocket costs and annual maximums
- Referral and prior authorization requirements
- Extra benefits such as dental, vision, and hearing
- Service area and travel coverage
Medicare Advantage plans can change each year. At Turning 65 Advisor, we review your plan annually during Open Enrollment to confirm it continues to be the best option for you.
How Lee & Miki Finley Help You With Medicare
Navigating Medicare can feel overwhelming — but you don’t have to do it alone.
Lee & Miki Finley , we take the time to walk you through every step of the Medicare process so you can make a confident and informed decision.
Whether you are turning 65, retiring, or leaving employer coverage, we help you:
- Understand when and how to enroll in Medicare
- Avoid late enrollment penalties
- Compare your coverage options side-by-side
- Review your doctors and prescriptions
- Choose a plan that fits your budget and healthcare needs
As independent brokers, we work with multiple insurance companies — not just one — so our focus is always on what is best for you.
Understanding Your Medicare Options
When you enroll in Medicare, one of the biggest decisions you’ll make is choosing between a Medicare Supplement (Medigap) plan and a Medicare Advantage plan. We explain the differences in detail so you know exactly what you’re choosing.
Medicare Supplement (Medigap) Plans
A Medicare Supplement works alongside Original Medicare (Parts A & B).
How it works:
- You keep Original Medicare as your primary coverage
- The Supplement plan helps pay deductibles, copays, and coinsurance
- You can see any doctor in the U.S. that accepts Medicare
- No network restrictions
- No referrals required
Good fit for people who:
- Want maximum flexibility with doctors
- Travel frequently
- Prefer predictable medical costs
- Don’t want network limitations
You will also enroll in a separate Prescription Drug Plan (Part D).
Medicare Advantage (Part C) Plans
A Medicare Advantage plan replaces Original Medicare and is offered through private insurance companies.
How it works:
- Combines hospital and medical coverage in one plan
- Often includes prescription drug coverage
- May include extra benefits like dental, vision, hearing, and gym memberships
- Typically uses provider networks (HMO or PPO)
- Copays apply as you use services
Good fit for people who:
- Prefer lower monthly premiums
- Are comfortable using a provider network
- Want bundled coverage in one plan
- Like extra benefits included
We Break It Down Simply
We don’t just explain the basics — we review:
- Monthly premiums
- Maximum out-of-pocket costs
- Provider networks
- Prescription drug coverage
- Long-term cost differences
- How plans can change year to year
Our goal is to help you understand not only how each plan works today — but how it may affect you in the future.