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🛡️ Licensed Independent Agent · Phoenix, AZ · Since 2016

One Wrong Medicare Move Can Cost You Your Doctor, Your Drugs, and $2,400 a Year.

Most Arizona seniors spend 40+ hours researching Medicare — and still pick the wrong plan. Wrong network. Missing prescriptions. A penalty that follows you for life. One call with Mary fixes all of that. And it costs you exactly nothing.

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★★★★★ 5.0 · Google Reviews · Phoenix, AZ
$0 Always. No exceptions.
10+ Years Serving Arizona
30+ Carriers Compared For You
★★★★★ 5.0 · Google Reviews
"Mary caught that my cardiologist wasn't in my old plan's network. Nobody at the 800 number ever mentioned it. She saved me from a $4,200 surprise bill."
— Linda R., Scottsdale
$0
Cost to you
10+
Years in Arizona
30+
Carriers compared
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Mary shops 30+ carriers so you don't have to
AZ License #18015946 · Verified & Active
Multiple carriers compared — Mary works for you, not them
Network & drug formulary verified before you sign anything
How It Works

Three steps. One call. Zero regrets.

Most clients leave their first conversation with Mary already knowing which plan they want. Here's why it goes that fast.

1

We Map Your World

Your doctors. Your medications. Your budget. Your travel habits. Before looking at a single plan, Mary builds a complete picture of what your coverage actually needs to do for you.

2

Mary Does the Hard Part

She analyzes every top-rated plan in your ZIP code side-by-side. Carrier networks verified. Drug tiers checked. Hidden copays identified. You get a clear recommendation — not a stack of brochures.

3

You Enroll with Certainty

When you sign, you know exactly what you're getting, what it costs, and who to call when something goes wrong. That person is Mary. She answers her own phone.

Medicare Plans

Four paths. Only one is right for your life.

Medicare is not one-size-fits-all. A plan that's perfect for your neighbor could be catastrophically wrong for you. Here's what's available — and what matters when choosing.

Most Popular in AZ

Medicare Advantage

All-in-one plans that replace Original Medicare. Often $0 monthly premiums with dental, vision, hearing, and extras like grocery credits built in. The catch: you're in a network. Mary verifies your doctors are in it before you ever sign.

  • Often $0 monthly premium
  • Dental, vision & hearing included
  • Grocery & utility credits available
  • Annual out-of-pocket cap protects you
Learn More
Maximum Freedom

Medicare Supplement

Works alongside Original Medicare to cover what it doesn't. No networks. No referrals. No authorizations. See any doctor in the country who takes Medicare. Ideal if you travel, have complex care needs, or simply refuse to be told which doctors you can see.

  • Any Medicare doctor in the USA
  • Predictable, fixed monthly costs
  • No surprise bills
  • Plan G & N — Mary explains the difference
Learn More
Don't Skip This

Part D Drug Plans

Skip Part D and you pay a permanent 1% penalty for every month you waited — even if you don't take any medications today. Starting 2026, the most you'll ever pay for drugs in a year is capped at $2,000. The old "donut hole" is gone.

  • Avoids the lifetime late penalty
  • $2,000 annual out-of-pocket cap (2026)
  • Every drug tier checked against your list
  • Mail-order options save more
Learn More
Hidden Goldmine

D-SNP Plans

If you have both Medicare and AHCCCS (Arizona Medicaid), you qualify for plans that most people don't know exist. Monthly food credits. Transportation. Zero cost-sharing. And you can switch plans quarterly — not just once a year.

  • Designed for Medicare + AHCCCS members
  • Monthly grocery & OTC credits
  • Change plans every quarter
  • Zero or near-zero out-of-pocket costs
Learn More
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The Honest Difference

The 1-800 number works for the insurance company. Mary works for you.

Call center agents work for one carrier. They see hundreds of calls a day. They cannot check if your cardiologist is in-network. They cannot compare competing plans. They get paid more when you pick certain options.

Mary is an independent agent. She represents multiple top-rated carriers. She is compensated by the carrier you choose — not by steering you toward the most expensive one. Your premium is identical whether you use her or not. The difference is whether someone is actually looking out for you.

  • Verifies your doctors and specialists are in-network before enrollment
  • Checks every prescription against the plan formulary at the lowest tier
  • Direct cell access for billing disputes and claim advocacy — year-round
  • Annual October review: if a better plan exists, she tells you
  • In-person in Phoenix or virtual anywhere in Arizona
Meet Mary

Mistakes that cost Arizona seniors real money every year

Mary catches every one of these before enrollment.

  • Enrolling in a plan that doesn't cover your primary care doctor
  • Missing the 8-month creditable coverage window — permanent 10% annual penalty
  • Choosing a plan where your medications are Tier 4 instead of Tier 1
  • Staying with the same Medigap carrier for years — the "loyalty penalty" costs $800+ per year
  • Skipping Part D because you feel healthy — the penalty kicks in the moment you need drugs
  • Picking the $0 premium Advantage plan without knowing the $8,000 MOOP limit inside it
Real Clients. Real Results.

What happens when you call Mary first

Testimonials reflect individual experiences and may not represent every client's outcome.

★★★★★

"I was about to enroll in a plan that didn't include my cardiologist. Mary caught it in the first five minutes of our call. I've been with her every year since. She calls me in October before I even think to call her."

— Robert T., Phoenix, AZ
★★★★★

"My husband retired and we had six weeks to figure out Medicare. Mary turned that chaos into a 45-minute call and a plan we actually love. Two years later, she still picks up when we call. That's not what I expected from an insurance agent."

— Linda & Frank S., Scottsdale, AZ
★★★★★

"I spent two hours on hold with a 1-800 number before I called Mary. She picked up on the second ring. Called me back the next morning. Found me a plan that saved $187 a month compared to what I almost signed up for. I tell everyone I know."

— Patricia W., Glendale, AZ
Enrollment Timeline

Medicare has strict deadlines. Miss one and you pay for it — literally, for life.

This isn't fine print. The late enrollment penalty for Part B is 10% added to your premium for every 12 months you delayed — and it never goes away. Part D adds 1% per month. Mary knows every window, every exception, and every way to avoid a penalty you didn't deserve.

Get My Enrollment Timeline
Age
64

Your Window Opens — Start Watching

Three months before your 65th birthday, your Initial Enrollment Period begins. This is the time to review your current employer coverage, not after you retire.

Age
65

Enroll or Face a Permanent Penalty

If you're not covered by active employer insurance, you must enroll in Parts A and B now. Waiting without creditable coverage triggers a penalty that follows your premium forever.

SEP

Retiring? You Have 8 Months — Not More

When employer coverage ends, your Special Enrollment Period clock starts. Eight months to enroll. Not nine. Mary tracks this with you so nothing falls through the cracks.

Oct
15

Annual Enrollment — Your One Chance to Switch

October 15 to December 7. Every plan in Arizona changes its rates, networks, and formularies for the new year. Mary benchmarks your current plan against the field and tells you if you should move.

Know Before You Enroll

The things Medicare won't tell you — but Mary will

💊
Part D · 2026

The $2,000 Cap Is Real — Here's Exactly What It Means for You

Starting 2026, your annual drug costs are capped at $2,000. The donut hole is gone. Here's how that changes the math for Arizona seniors on high-cost medications.

💰
Medigap · Costs

Why Staying Loyal to Your Medigap Carrier Is Costing You $800+ a Year

Insurance companies count on you not shopping around. The "loyalty penalty" is real, it's legal, and it grows every year you stay. Here's how to fight it.

🏥
D-SNP · AHCCCS

If You Have AHCCCS and Medicare, You're Leaving Benefits on the Table

Most dual-eligible Arizonans don't know about D-SNP plans. Food credits. Transportation. Zero copays. These plans exist specifically for you — and most people never find them.

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Service Area

Serving every corner of Arizona

In-person consultations across the Phoenix metro. Phone and video consultations statewide — same great service, no extra charge.

Phoenix Scottsdale Mesa Tempe Chandler Gilbert Glendale Peoria Surprise Sun City Sun City West Avondale Goodyear Tucson Flagstaff Prescott Yuma All of Arizona ›

The consultation is free. The mistakes are not.

Arizona seniors who call Mary before enrolling protect their doctors, their drugs, and their savings. Those who don't often spend the next year trying to fix it. Don't be the second kind.

Request My Free Consultation ☎ Call (602) 574-0686

Mon–Fri 9am–5pm MST · Phoenix in-person or statewide virtual · Response within one business day

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