The 4 parts of Medicare explained in simple terms.
How to avoid costly penalties and fees by enrolling at the right time.
The hidden gaps in Original Medicare—and how to protect yourself.
Medicare Advantage vs. Medicare Supplement: Which one is right for you?
How to choose the best Part D drug plan for your needs.
PLUS: A live Q&A session to get all your Medicare questions answered!
Medicare Expert (Licensed Agent)
Steve Germain is a dedicated Medicare insurance broker and author. A devoted husband and father of three, Steve finds joy in both his family and his work. With over a decade of experience, he has helped more than 3,000 clients navigate their Medicare options with clarity and confidence.
Steve’s career was inspired by the challenges his father and grandfather faced with Medicare. This motivation led him to write “Medicare 101: A Beginner’s Guide to Understanding Your Options,” a book designed to make the Medicare process simple and accessible for everyone.
Living by the principle, “When you love what you do, you never work a day in your life,” Steve finds daily fulfillment in assisting Medicare beneficiaries. He provides the same support and care to his clients as he would to his own family.
To avoid lifelong Medicare penalties, enroll in Part B and Part D during your 7-month Initial Enrollment Period, unless you have credible employer coverage, and make sure to sign up as soon as that coverage ends.
Your Initial Enrollment Period starts three months before you turn 65. Missing this window can lead to penalties or delays in coverage. We’ll explain when and how to enroll so you never have to worry about being uninsured.
Absolutely. Whether you’re overwhelmed by the options or just unsure where to start, this webinar will give you step-by-step guidance to make enrolling in Medicare simple and stress-free.
If you miss the right deadlines, you could face lifetime penalties or gaps in coverage that could leave you paying out of pocket for healthcare. This webinar shows you how to prepare now so you can avoid costly mistakes later.
Choosing the wrong plan could mean unexpected expenses, limited doctor choices, or insufficient coverage. We’ll break down the pros and cons so you can make the best decision for your health and budget.
The webinar is about 30 minutes long, packed with actionable strategies to help you save money and avoid costly Medicare mistakes. It’s designed to give you maximum value in the shortest time possible.
Miami, Florida 33186