•  Monday-Friday 8:30AM-4:30PM



Specializing in Medicare Education and Personalized Service

As the cost of healthcare (out-of- pocket expenses) continues to rise, planning for future healthcare costs is becoming increasingly important when planning for retirement.

Whether you are turning 65 or looking to retire, finding health insurance coverage can be confusing and complicated. Our team provides personalized, comprehensive Medicare services to walk you through the process of identifying your options, selecting a course, and enrolling in a plan.

We are compensated by the plans we represent so there’s never a fee for our services.

Medicare’s rules can be confusing and costly. Our goal is to make it simple by providing explanations in easy-to-understand terms. We will help you enroll in Medicare Part A and/or Part B and, as independent advisors, recommend supplemental options from different carriers to bridge the gaps in Medicare.


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Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters). If you did not earn Part A, you will pay a premium.

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Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries. It also covers preventive services like cancer screenings and flu shots. Part B also covers medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.

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Prescription Drug Plans

Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through an independent Prescription Drug Plan (PDP), or through a Medicare Advantage Plan that includes prescription drug coverage.


We commit to getting you signed up at the right time, making sure you know the difference between specific products, and won’t let you make guesses about your coverage. Our number one goal is to help you understand your benefits, cost, and coverage.

With almost two decades of experience, we are subject matter experts and can provide you with options from multiple carriers taking into consideration your health history, doctor(s), and prescription drug needs. We’ll also do an annual review to ensure you are on the best possible plan during Open Enrollment.

We are your one-stop shopping resource. We have helped many Medicare beneficiaries navigate these important decisions – saving them time, money, and frustration.

Your health is everything in retirement. Why not let us help you find the right path and help you chart your future course with confidence and peace of mind?


Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ. Many people sign up for Medicare Advantage Plans thinking they are Medicare Supplement Insurance Plans, they are not.


Medicare Choices


Medicare Supplement Insurance Plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).


Medicare Advantage Plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).


Medicare Prescription Drug Plans
(Part D)

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.

A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

Office Locations

Find a Location Near You


Health Insurance and Medicare Made Simple
Cornerstone Retirement Partners

2900 Charlevoix SE 310
Grand Rapids, MI 49546

  616-301-2581 Option 2


  [email protected]

  Monday-Friday 8:30AM-4:30PM


Health Insurance and Medicare Made Simple
Cornerstone Retirement Partners

8515 100th Ave
Stanwood, MI 49346

  616-301-2581 Option 2


  [email protected]