Medicare Made Simple.

Medicare Supplement (Medigap) fills the gaps in Original Medicare — you keep Parts A and B, see any doctor that accepts Medicare nationwide, and the Supplement covers deductibles and coinsurance. Medicare Advantage (Part C) replaces Original Medicare with a private plan that uses provider networks — often with lower premiums but restricted doctor/hospital choices. The best option for Iowa residents depends on location, health needs, and budget.

Your Initial Enrollment Period (IEP) starts 3 months before you turn 65 and ends 3 months after. This is the best time to enroll — especially for Medigap, which has guaranteed issue rights during this window. Open Enrollment runs Oct 15–Dec 7 annually for Advantage and Part D changes. If you miss these periods, you may face penalties or limited options.

Original Medicare (Parts A and B) does not cover most prescription drugs. You need a separate Part D plan or a Medicare Advantage plan that includes drug coverage. We review your specific medications and Iowa pharmacy options to find the Part D plan with the lowest total annual cost.

Most people pay no premium for Part A. Part B has a standard monthly premium that varies by income. Supplement premiums vary by plan letter, carrier, age, and location in Iowa. Advantage plans often have $0 premiums but may have copays and network limits. Part D premiums vary by plan. We model your total annual cost — premiums + out-of-pocket — to find the best value.

If you're still working and have employer coverage at 65, you generally don't need to enroll in Part B until you leave your job or lose coverage. However, the rules depend on employer size and plan type. We help Iowa residents understand exactly when to enroll to avoid penalties and coverage gaps.

Yes — 100% free with no obligation. Brawner Insurance is compensated by insurance carriers, not by you. Our Medicare consultations cost you nothing, and there's never any pressure to enroll. We're here to educate and guide Iowa residents through their options.