Meet The Team
Real local people on your side
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
Medicare Advantage (Part C) bundles your hospital, medical, and usually drug coverage into one private plan — often with a low premium and extras like dental and vision. The catch is the network and the fine print. We represent multiple carriers, so we compare them straight, for your doctors and your prescriptions. Free to you, no pressure.
Advantage plans can be a great deal — or a frustrating fit — depending on whether your doctors are in-network and how the plan handles the care you actually need. The marketing rarely tells you that part.
We look past the headline premium at the network, the drug list, and the out-of-pocket exposure, and tell you the honest trade-offs.
A Medicare Advantage plan is offered by a private insurer and delivers your Part A and Part B benefits through the plan’s network — usually adding Part D drug coverage and extras like dental, vision, and hearing. In our area, monthly premiums run from $0 up to about $210, and you keep paying the standard Part B premium of $202.90 a month in 2026 on top of whatever the plan charges.
Every Advantage plan caps your yearly out-of-pocket costs, which Original Medicare alone does not. The exact cap varies by plan: in-network limits can’t exceed $9,250 in 2026, and PPOs set a higher combined in-and-out-of-network limit (we’re seeing some around $10,100 locally). In exchange for those protections you agree to use a network and, often, to get referrals or prior authorizations.
Often $0–$210/month with drugs, dental, vision, and hearing bundled in, plus a yearly out-of-pocket cap.
You use the plan’s network, and referrals or prior authorizations are common. Out-of-network care can cost more or not be covered.
Most plans (MAPD) build in Part D. A few are medical-only (MA-only), which can suit veterans using VA drug benefits.
Tell us your doctors and prescriptions and a licensed Medicare broker will compare Advantage plans for your situation.
We’ll get back to you within one business day.
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
