What to Know Before Choosing a Medicare Plan in Apple Valley

If you’re approaching 65—or already there—navigating the world of Medicare can feel like stepping into a maze. There are multiple parts, a mix of public and private options, deadlines to meet, and plenty of fine print. Choosing the wrong plan (or skipping coverage altogether) can cost you both money and peace of mind. That’s why working with a local Medicare specialist in Apple Valley can make all the difference. At Wolken Insurance Services, we help you understand your options, compare plans, and choose coverage that makes sense for your health, budget, and future.

 

Understanding Medicare Parts A, B, C, and D

Medicare isn’t just one policy—it’s a combination of several parts. Part A covers hospital stays. Part B helps with doctor visits and outpatient care. Part C, also called Medicare Advantage, combines A and B and often includes extras like dental or vision. And Part D covers your prescription medications. Understanding which parts you need (and what’s already covered) is the first step toward building the right plan.

 

Why Local Support Matters

Searching online or calling a big company can leave you with more questions than answers. But working with a Medicare insurance expert right here in Apple Valley means you get face-to-face support—or a friendly phone call with someone who knows your community, your local doctors, and the plans available in your zip code. Richard Wolken has helped hundreds of local residents make sense of Medicare—and he’s ready to help you too.

 

Annual Enrollment Period Tips

Every year, from October 15 to December 7, you can make changes to your Medicare plan. But many people miss this window—or make changes without fully understanding what they’re switching to. During this time, we’ll sit down with you, review your current plan, and see if there’s a better fit based on your needs and any changes in the Medicare landscape.

 

If you live in Apple Valley or a surrounding area and are unsure about your Medicare options, don’t wait until enrollment sneaks up on you. Contact Wolken Insurance Services today and let’s get your questions answered—together.