Retirement is for living.
Not for decoding Medicare.
You didn't work for decades just to spend your free time reading insurance brochures, fighting automated phone trees, or guessing which plan covers your prescriptions.
That's where I come in.
I'm Lenny Burton, CLU®, a Chartered Life Underwriter from The American College of Financial Services. The CLU® is the advanced coursework most agents skip. I'm licensed in Florida, Ohio, Indiana, and Texas, and I'm here for the initial review, the enrollment, and the annual checkup every year after that.
What you get
- Your options compared, side by side
- Clear explanations, no jargon
- A review every year so nothing slips through the cracks
- No obligation, no pressure
Turning 65?
Your Initial Enrollment Period opens three months before your 65th birthday. I'd much rather you have extra time to consider your options than be faced with higher costs from a missed deadline.
Your plan can't start until your enrollment window opens, but it's never too early to start learning. Getting familiar with your options now means there's no rush when the time comes.
Already on Medicare?
Insurance companies rewrite their plan costs, drug lists, and doctor networks every single year. What worked perfectly for your health and budget last year may not be the same fit next year. A quick annual review confirms whether your current plan still makes sense.
Let's get a head start looking at your situation so there's no rush when enrollment opens.
Want to look right now? Start with your ZIP code.
Enter your 5 digit ZIP to see the plans available where you live. We'll review them together on our call.
Medicare has a lot of moving parts.
Medicare isn't one program. It's four parts, each with its own rules, its own costs, and its own enrollment deadlines. On top of that, insurance companies offer hundreds of plan variations that change every year. The amount of mail, the number of choices, and the fine print that comes with each one would overwhelm anyone.
Most people approaching Medicare share the same concerns. Am I going to pick the wrong plan and get stuck with it for a year? Am I going to miss a deadline? How do I know which option actually fits my doctors and my prescriptions? Those are reasonable questions, and they deserve real answers.
You paid into Medicare your entire working life. When it's finally time to use it, the system should work for you, not against you. That's exactly why I do this work.
Enrollment penalties are real, and they're permanent.
I'd much rather you have extra time to consider your options than be faced with higher costs from a missed enrollment deadline. Here's what to be aware of:
Part B: If you delay signing up for outpatient medical coverage when you're first eligible, a permanent 10 percent surcharge is added to your monthly premium for every full 12-month period you went without it.
Part D: If you go 63 days or more without qualifying prescription drug coverage, a permanent penalty is added to your monthly drug plan bill based on how long you waited.
Beyond the government penalties, selecting a plan that doesn't cover your doctors or your prescriptions can mean living with that mismatch for a full calendar year. I see it happen, and one conversation beforehand prevents it.
I'm here when you're ready, and there's never a wrong time to start the conversation.
About Lenny Burton, CLU®
I'm a Chartered Life Underwriter. The CLU® is a designation from The American College of Financial Services, the advanced coursework most agents skip.
I'm licensed in Florida, Ohio, Indiana, and Texas. Your plan choices come from several companies, laid out side by side, so you can see what each one covers, what it costs, and how it fits your specific doctors and medications.
Lenny Burton, CLU®
How we work together
Share your situation.
We sit down over the phone or a secure video call and talk about your preferred doctors, your current prescription medications, and your baseline budget. Nothing about your existing coverage changes during this step.
Review the options.
The plans that match your medical profile are organized next to each other. You'll see what each path costs, check your physician networks, and see how your prescriptions are covered under each option.
Decide when you're ready.
The final choice belongs entirely to you. You can select a plan immediately, take the comparison home to think it over, or decide to keep your current coverage exactly as it is.
When Medicare coverage fits your life
You visit your medical team without second-guessing whether the clinic accepts your plan. You pick up your prescriptions without doing math at the pharmacy counter. You open your mail in October knowing your coverage has already been reviewed against the upcoming changes. You spend your time on the things retirement was supposed to be about, grandkids, travel, hobbies, or just a quiet morning without a stack of insurance paperwork on the kitchen table.
That's what a properly matched plan feels like.
Medicare Supplement or Medicare Advantage?
The most significant choice in Medicare is deciding between a Supplement plan or an Advantage plan. One isn't inherently better than the other. The right path depends completely on your lifestyle and preferences. I walk people through the comparison every day, and the answer is different almost every time.
A Supplement plan pairs with Original Medicare and gives you freedom to see any doctor nationwide, with higher monthly premiums but lower costs when you use care. An Advantage plan bundles everything into one package with lower premiums and extra benefits like dental and vision, but limits you to a provider network.
Which one fits your situation? That's what the review is for.
How Medicare works
Medicare has four parts: hospital coverage (Part A), outpatient medical coverage (Part B), Medicare Advantage (Part C), and prescription drug coverage (Part D). Each part has its own costs, rules, and enrollment deadlines.
The Medicare Checklist covers all four parts, including the 2026 premiums, deductibles, and the details that affect what you actually pay. Download it below, or we can go through everything together on a call.
Things to be aware of before choosing a plan
I see the same situations come up regularly. Every one of them is avoidable with the right conversation beforehand.
- Plan designs change every year. Insurance companies rewrite their networks, premium costs, and drug formularies annually. What covered your medications last year might not cover them next year.
- A low premium isn't always the lowest cost. A $0 premium plan can cost more overall than a plan at $40 a month once copays, deductibles, and out-of-pocket maximums are factored in.
- Doctor networks aren't permanent. A doctor who was in-network last year might not be next year. Always verify before your enrollment window closes.
- Part B enrollment has a deadline. If you don't have qualifying employer coverage, delaying Part B past your enrollment window triggers a permanent surcharge on your premium.
- The Medigap enrollment window doesn't reopen. The six months after Part B activation are the only guaranteed opportunity to purchase a Supplement policy without a health screening.
People turn 65 every day of the year.
Special enrollment periods open up when life changes: a move, a retirement, a change in coverage. And sometimes you just have questions. There's no season for that. I'm here all year.
The Medicare Checklist
What to know before you pick a plan.
A walkthrough of what Medicare covers, what it costs, and the deadlines that matter. Written for people who want to understand their options before sitting down with anyone.
Frequently asked questions
Does a review cost me anything?
Will I see every plan available in my area?
What if I already like my plan?
I have coverage through an employer. Do I need to sign up at 65?
Schedule a consultation →
Can I switch plans if I want to make a change?
Book a call →
I'm on Social Security Disability. Does Medicare work the same for me?
Schedule a review
Pick a date and time that fits your schedule. We can talk over the phone or look at the plans together via a secure video meeting.
Not ready to schedule? Submit a quote request instead →
Disclosures and compliance notes
We do not offer every plan available in your area. Currently we represent [X] organizations offering approximately [Y] plans in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This is a solicitation for insurance. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.
Premium figures, deductibles, and caps reflect official federal regulations for the 2026 plan year. No mobile information will be shared with third parties for marketing purposes. Reply STOP to opt out of SMS. Message and data rates may apply.
Why?
If you want proof of how I work, ask me directly for anonymized examples of situations I've helped with. Your healthcare decisions stay yours.
Written by Leonard "Lenny" Burton, CLU® · NPN 19046937
© 2026 Leonard Burton, CLU® · FL W548097 · OH 1258856 · IN 3417602 · TX 3502591