KRISTY FITZGERALD
“Thanks to Kristy, I’m saving hundreds of dollars a month on out-of-pocket costs. Her expertise and dedication are second to none.”
— Denise L.
“I AM HERE FOR YOU. I WILL SECURE THE MEDICARE COVERAGE YOU NEED.”
With over 10 years of dedicated Medicare experience, my expertise ensures you will be properly and fully covered.
I’ve helped 1000’s of clients like yourself…
“Kristy made navigating Medicare options straightforward and stress-free. Her knowledge and patience were invaluable in finding the right plan for my health needs.”
— Marilyn J.
“I was overwhelmed by all the Medicare choices, but Kristy’s clear explanations and tailored recommendations gave me complete confidence in my decision.”
— Robert S.
“Kristy’s thorough approach and genuine concern for my well-being set her apart. She treated me like family and found a plan that perfectly suited my situation.”
— James W.
“Every question I had about Medicare was answered promptly and clearly. Kristy’s professionalism and warmth made the entire process seamless.”
— Patricia R.
CONTACT ME TODAY TO SECURE YOUR MEDICARE COVERAGE.
kristy@georgias-medicare-expert.com
888-659-1135
“I’d recommend Kristy to anyone looking for help with Medicare. She’s knowledgeable, kind, and genuinely cares about getting the best coverage for her clients.”
— Lawrence B.
WHY WORK WITH ME…
EXPERTISE & FOCUS
I specialize exclusively in Medicare insurance—it's the only line of business I handle. By devoting my entire practice to Medicare, I stay current on all the latest rules, deadlines, and plan details. This singular focus means you benefit from a depth of knowledge and practical experience that part-time or general agents simply can’t match.
LOCAL INSIGHT
I serve clients throughout Georgia and I’m here to guide you through a smooth and efficient enrollment process.
EXTENSIVE CARRIER OPTIONS
I’m licensed with a broad range of carriers—some of which many agents don’t even know about. This gives me the flexibility to find the plan that truly fits your needs and budget, rather than limiting you to a short list of options.
PROVEN EXPERIENCE
I’ve assisted thousands of seniors from all walks of life in securing quality Medicare coverage. My years of hands-on expertise ensure that we get it right the first time, saving you time, money, and frustration.
YOUR BEST COVERAGE AT LOWEST PRICES
My top priority is helping you secure the best possible coverage at the most affordable price. I’ll work diligently on your behalf to compare plans and recommend only those that align with your healthcare and financial goals.
With my specialized focus and commitment to personalized service, you can count on a seamless Medicare enrollment experience—one that gets you the coverage you need, right from the start.
WHAT I WILL DO FOR YOU…
OFFER CLEAR GUIDANCE ON YOUR MEDICARE CHOICES
As your advisor, I will navigate the complexities of Medicare on your behalf, outlining each available plan and highlighting all costs so you can make informed comparisons. By presenting multiple options side-by-side, I’ll help you select the most cost-effective solution that meets your unique healthcare needs.
MANAGE ALL ADMINISTRATIVE DETAILS
Once you choose your insurance plan, I will handle the entire application process and ensure it aligns with Medicare’s guidelines. I adhere to HIPAA regulations and securely maintain all documentation for at least ten years, giving you peace of mind and a hassle-free experience.
PROVIDE ONGOING UPDATES & SUPPORT
Medicare rules and rates evolve every year. To stay current, I invest in annual certification, training, and education. This ensures I always have the latest information to help you make any necessary adjustments to your plan, maintaining optimal coverage throughout the year.
“I was hesitant about changing Medicare plans, but Kristy evaluated my needs and gave me honest guidance. I couldn’t be happier with the outcome.”
— Henry T.
All Georgia Medicare Options services are completely FREE, so you’ll never pay extra for my assistance.
I’m compensated by the insurance carriers for guiding you through the process. You never pay a broker fee or higher insurance premiums for working with me. In fact, all insurance rates are legally regulated, ensuring you receive only published, verifiable, real-time pricing—no hidden costs, ever.
Understanding All Your Medicare Options: The First Challenge
Navigating the world of Medicare insurance can feel overwhelming, largely due to the sheer number of plan choices. It’s easy to encounter outdated or misleading information, leading to confusion or “analysis paralysis.” I stay up to date on the latest offerings and will show you every option in the marketplace—even those I don’t personally represent—so you can make a fully informed decision.
Why Medicare Can Be Complex
Medicare comes with a variety of deadlines, acronyms, pricing structures, and regulations. Missing a critical detail can mean delayed coverage or financial penalties. As an independent Medicare broker and advisor, I’m here to translate these complexities into plain English, so you always understand what you’re signing up for.
If you’re turning 65 soon, you’ll find my guide on What To Do When Turning 65 especially helpful. It walks you through essential steps and timelines, ensuring you don’t miss any crucial enrollment windows.
Licensed and Authorized to Sell
With the right guidance, you can confidently choose the Medicare plan that best fits your healthcare and financial needs.
“Working with Kristy Fitzgerald was an absolute pleasure. Her understanding of Medicare regulations and coverage options is remarkable.”
— Gloria H.
Turning 65: What You Need to Know About Medicare Enrollment
Medicare eligibility is determined through several pathways, with most individuals qualifying upon turning 65 years old. You can enroll in Medicare up to three months before the month of your 65th birthday, though your coverage will begin on the first day of your birth month. However, if your birthday falls on the 1st of the month, your benefits will start one month earlier—on the first day of the preceding month.
Medicare is also available to individuals under 65 who meet specific criteria:
Permanent Disability: After receiving Social Security Disability Insurance (SSDI) benefits for 24 months, you become eligible for Medicare.
End-Stage Renal Disease (ESRD): Coverage typically begins after four months of dialysis treatment.
Amyotrophic Lateral Sclerosis (ALS): Individuals diagnosed with ALS (Lou Gehrig’s disease) qualify for Medicare immediately upon the start of SSDI benefits, without a waiting period.
Understanding these enrollment timelines ensures you receive your Medicare benefits as soon as you become eligible.
To learn more about how you can qualify for Medicare, call me immediately at 888-659-1135.
"I was completely lost when it came to Medicare, but Kristy made it so easy to understand. I highly recommend her services!" - Margaret B.
"I was overwhelmed with Medicare options until I met Kristy. She explained everything clearly and helped me make the best decision." – Barbara T.
Understanding Medicare: A Comprehensive Guide
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. It is divided into several parts, each designed to cover specific aspects of healthcare. Below is an explanation of all Medicare parts to help you understand your options:
Medicare Part A: Hospital Insurance
What it Covers:
Inpatient hospital stays.
Skilled nursing facility care (not long-term care).
Hospice care for individuals with a terminal illness.
Some home health care services.
Key Details:
Most people don't pay a premium for Part A if they or their spouse have paid Medicare taxes for at least 10 years.
Deductibles and coinsurance may apply for hospital stays or skilled nursing care.
Medicare Part B: Medical Insurance
What it Covers:
Doctor visits and outpatient services.
Preventive services like screenings and vaccinations.
Laboratory tests and X-rays.
Durable medical equipment (e.g., wheelchairs, walkers).
Physical therapy and mental health services.
Key Details:
Part B requires a monthly premium, which may vary based on your income.
After meeting an annual deductible, Medicare typically covers 80% of approved services, leaving you responsible for 20% (coinsurance).
Medicare Part C: Medicare Advantage Plans
What it Is:
Medicare Advantage (Part C) is an alternative to Original Medicare (Parts A and B) offered by private insurance companies approved by Medicare.
What it Covers:
Includes all services covered by Part A and Part B.
Often includes additional benefits such as:
Dental, vision, and hearing care.
Fitness programs.
Prescription drug coverage (similar to Part D).
Key Details:
You must still pay your Part B premium in addition to any premium charged by the Medicare Advantage plan.
Coverage and costs vary depending on the plan and provider network.
Medicare Part D: Prescription Drug Coverage
What it Covers:
Helps cover the cost of prescription drugs, including many generic and brand-name medications.
Each plan has a formulary (list of covered drugs) and tiers that determine drug costs.
Key Details:
Offered by private insurance companies approved by Medicare.
You pay a monthly premium, and costs can vary depending on your medications and the plan you choose.
Includes coverage for catastrophic costs after reaching the "donut hole" (coverage gap).
Medicare Supplement Insurance (Medigap)
What it Is:
Medigap policies are offered by private insurers to help cover out-of-pocket costs not covered by Original Medicare, such as deductibles, coinsurance, and copayments.
Key Details:
Only works with Original Medicare (Parts A and B).
Requires an additional monthly premium.
Does not cover prescription drugs (you'll need a Part D plan for that).
Key Differences Between Original Medicare and Medicare Advantage
Feature
Original Medicare
Medicare Advantage (Part C)
Provider Choice
Any provider that accepts Medicare.
Limited to network providers (HMO or PPO).
Prescription Drug Coverage
Requires a separate Part D plan.
Often included in the plan.
Additional Benefits
None.
May include vision, dental, and hearing.
How to Choose the Right Medicare Plan
When selecting a Medicare plan, consider the following:
Your Health Needs: Are you managing chronic conditions or taking prescription medications?
Budget: Can you afford premiums, deductibles, and coinsurance?
Preferred Providers: Do you need a plan that covers specific doctors or hospitals?
Additional Benefits: Do you need dental, vision, or hearing coverage?
Additional Notes
Eligibility: Most people become eligible for Medicare at age 65, but younger individuals with certain disabilities or end-stage renal disease (ESRD) may qualify earlier.
Enrollment Periods:
Initial Enrollment Period: A 7-month window around your 65th birthday.
General Enrollment Period: January 1 to March 31 each year (if you missed your initial enrollment).
Special Enrollment Period: Available in certain circumstances, like losing employer coverage.
Learn More
If you're new to Medicare or need help selecting a plan, I’m here to assist. Contact me for personalized advice.
By understanding the different parts of Medicare, you can make an informed decision about your healthcare coverage and find the plan that best suits your needs.
"Kristy’s dedication and expertise made my Medicare transition smooth and hassle-free. I’m so grateful for her help!" – Patricia E.
Delaying Medicare Enrollment Could Cost You More
Failing to enroll in Medicare on time or missing critical deadlines may result in penalties and delayed coverage, potentially increasing your overall healthcare costs.
It is essential not to postpone Medicare enrollment unless you have credible coverage through a union, the VA, or your employer’s group health plan that extends beyond your 65th birthday. If you maintain credible coverage, you are not required to enroll in Medicare and will not face penalties.
However, exceptions apply, and every situation is unique. To ensure you make the best decision for your healthcare needs, please contact me at 888-659-1135 for personalized guidance.
"If you need Medicare advice, call Kristy! She’s the expert you can trust to guide you every step of the way." – Charles T
Earning Over $106,000 Annually? Understanding IRMAA Adjustments
If your income exceeds $106,000 per year, you may be subject to Income-Related Monthly Adjustment Amounts (IRMAA), which could increase your Medicare Part B premium beyond the standard rate.
However, there are legitimate and ethical strategies to potentially reduce your Medicare Part B costs, as permitted by the Social Security Administration (SSA). I can guide you through the process and help you explore your options.
"Thanks to Kristy, I avoided costly mistakes with Medicare. She knows the system inside and out!" – Betty C.
Simplifying Your Medicare Enrollment
Enrolling in Medicare is a straightforward process managed through your local Social Security office. If you are already receiving Social Security benefits, you will be automatically enrolled in Medicare.
With so much misinformation circulating about Medicare, it’s easy to feel overwhelmed. Outdated or inaccurate guidance can lead to confusion and missed opportunities. That’s why working with a trusted Medicare advisor can make all the difference.
Many individuals are pleasantly surprised by the cost savings Medicare provides compared to employer-sponsored insurance or ACA (Obamacare) plans. Plus, Medicare offers valuable additional benefits that can enhance your healthcare coverage. Let’s explore your options together!
"With Kristy’s help, I found a Medicare plan that perfectly fits my lifestyle and budget. She made the process stress-free!" – Sharon P.
MEDICARE PRODUCTS I AM LICENSED TO ASSIST YOU WITH
Medicare Supplement (Medigap) Plans
(Plans F, G, N, High Deductible Plans, and More)
Medicare Supplement (Medigap) plans help cover the out-of-pocket costs that Original Medicare does not pay. These plans typically require health underwriting for approval, except during your Guaranteed Issue Period—a special window when you turn 65 that allows you to enroll without medical questions or restrictions.
Medigap plans have specific enrollment rules, start dates, and underwriting requirements, so it’s important to discuss your unique situation to determine the best option for you. [Learn More]
Medicare Advantage (Part C) Plans
(HMOs, PPOs, Dual Medicaid & Medicare Plans, Special Needs Plans, and More)
Medicare Advantage plans provide a cost-effective alternative to traditional Medigap policies. These plans vary by county, with different doctor networks, hospitals, and pharmacy partnerships. Many also include valuable extra benefits such as dental, vision, hearing, transportation, and even fitness programs.
With so many options available, I can help you find a plan that aligns with your healthcare needs and provider preferences. [Learn More]
Medicare Prescription Drug (Part D) Plans
(Also Known as PDP Plans)
Medicare requires all beneficiaries to carry prescription drug coverage. If you do not enroll in a Part D plan when eligible, you may face financial penalties later.
Part D plans are generally available statewide rather than by county. Even if you do not currently take any medications, enrolling in a low-cost plan ensures you meet Medicare’s coverage requirements and avoid future penalties. [Learn More]
Choosing the right Medicare coverage is crucial, and I’m here to help you navigate your options with confidence. Let’s discuss the best plan for your needs!
"Kristy is not just an expert—she’s an advocate! She worked tirelessly to make sure I got the coverage I needed." – Nancy D
WHAT YOU CAN EXPECT WORKING WITH ME
Access to a Wide Range of Options
Gain access to multiple insurance carriers, allowing you to compare dozens of plans, rates, and benefits to find the best fit for your healthcare needs.
Experienced & Independent Medicare Expertise
I have been a licensed Medicare agent since 2011 and my goal is to provide unbiased guidance tailored to your individual situation.
Personalized Medicare Plan Review
I offer a straightforward, no-pressure consultation, where we review your healthcare needs, lifestyle, and budget to identify the best coverage options for you.
Guidance Through Medicare’s Complexity
Navigating Medicare can be overwhelming, but I simplify the process and provide clear, expert advice, ensuring you understand your options and feel confident in your decisions.
Your Dedicated Medicare Advocate
As your single point of contact, I assist with all aspects of your Medicare coverage—from enrollment to ongoing support, so you never have to navigate the system alone.
A Stress-Free Experience
I take care of the research, comparisons, and paperwork, so you don’t have to worry about complex details or high-pressure sales tactics.
My 100% Client Satisfaction Guarantee
You are fully protected by my Client Satisfaction Guarantee. If you feel you are not receiving the level of service you deserve, or if your plan does not meet your expectations, I will work directly with the insurance providers to help resolve any concerns.
Even if you ultimately choose to work with another Medicare advisor, I remain committed to ensuring you receive the right coverage for your needs.
Let’s make Medicare simple and stress-free—I’m here to help!
"Kristy genuinely cares about her clients and goes above and beyond to make sure they get the best coverage possible." – Ronald J.
Frequently Asked Questions for a Medicare Agent
1. Is there a fee for your services?
No, my services are completely free to you. As a licensed independent Medicare broker, I provide expert guidance at no cost, ensuring you find the best Medicare coverage for your needs.
2. What do I need before we work together?
To get started, it’s helpful to have:
Your Medicare card (if already enrolled) or Social Security information if enrolling for the first time.
A list of your current doctors, hospitals, and specialists you want to keep.
A list of your prescription medications (names, dosages, and frequency).
Any details about employer or retiree coverage (if applicable).
This information helps me match you with the most suitable plan.
3. Can this all be done over the phone/online?
Yes! The entire Medicare consultation, plan selection, and enrollment process can be done over the phone or online. I offer virtual meetings, phone consultations, and email support—whatever works best for you. There’s no need for in-person meetings unless you prefer one.
4. If it's free, how do you make money?
I am compensated directly by the insurance carriers when I help clients enroll in a Medicare plan. However, my priority is always finding the best plan for you, not the insurance companies. My compensation is regulated by Medicare, ensuring that I provide unbiased, honest recommendations at no extra cost to you.
5. What licenses do you hold to sell Medicare?
I am a state-licensed Medicare insurance broker, authorized to sell:
Medicare Supplement (Medigap) plans
Medicare Advantage (Part C) plans
Medicare Prescription Drug (Part D) plans
Additionally, I complete annual Medicare training and certifications to stay updated on all policy changes and plan options.
6. Do you sell any other types of insurance?
Yes, in addition to Medicare plans, I may also offer:
Dental, Vision, and Hearing Insurance (for additional coverage beyond Medicare)
Hospital Indemnity Plans (to help cover unexpected hospital costs)
Cancer & Critical Illness Policies (for extra financial protection)
Final Expense Life Insurance (for covering end-of-life expenses)
However, my main focus is Medicare—helping you understand your options and find the best plan for your needs.
Kristy Fitzgerald ~ Georgia’s Medicare Expert
“I am here for you.”
kristy@georgias-medicare-expert.com
"Kristy is a rare find—knowledgeable, compassionate, and always looking out for your best interests. If you need Medicare, Kristy is the one to call." – Donna W