CPM Quality Associates
Medicare Choices for Your Peace of Mind
With over 20 years of nursing experience, I help seniors find the Medicare plan that fits their doctors, prescriptions, health needs, and budget—so you can focus on living your best life.
Committed to a Quality Experience
With over 20 years of experience as a nurse, I’ve dedicated much of my career to helping Medicare plans improve the quality of care and services for beneficiaries. Now, I want to use that expertise to guide seniors in choosing the plan that truly fits their needs—whether that means keeping their trusted doctors, covering essential prescriptions, managing health conditions, or staying within budget.
From Original Medicare with a supplement and Part D coverage, to Medicare Advantage (HMO or PPO) plans, to stand-alone prescription drug options, there are many paths to explore. My goal is to simplify the choices and help you find the plan that supports your health, lifestyle, and peace of mind—so you can keep living your best life for years to come.
Medicare 101
Part A
Hospital Insurance
- Covers: inpatient hospital care, skilled nursing facility care (after qualifying hospital stay), hospice care, some home health services.
- Premium: Most people pay $0 if they or their spouse paid Medicare taxes.
- Eligibility: Age 65+ (or under 65 with disabilities), U.S. citizen or lawful resident for 5+ years.
Part B
Medical Insurance
- Covers: doctor visits, outpatient care, preventive services, durable medical equipment, some home health services.
- Premium: Requires monthly premium + annual deductible + coinsurance.
- Enrollment: Must actively enroll.
Part C
Medicare Advantage
- Offered by private insurers approved by Medicare.
- Bundles Part A + Part B, usually includes prescription drugs, vision, dental, and hearing.
- Varies by plan: costs, provider networks, coverage details.
- Eligibility: Must have Part A & B.
Part D
Prescription Drug Coverage
- Helps pay for medications.
- Offered by private insurers approved by Medicare.
- Varies: premiums, deductibles, copays, formulary (drug list).
- Eligibility: Must have Part A & B and live in plan’s service area.
- ⚠️ Late Enrollment Penalty (LEP): Applies if you go without drug coverage (or other creditable coverage) for 63+ days after initial enrollment period.