Enroll in Medicare with Confidence
Turning 65? New to Medicare? Or a Seasoned Medicare Beneficiary looking to switch plans?
You don’t have to figure out Medicare alone.
I’ll guide you on how and when to enroll in Original Medicare and a prescription drug plan. Together, we’ll avoid coverage gaps and late enrollment penalties.
There’s no cost to work with me – I’m compensated by the insurance carriers, not by you. My goal is to keep your health insurance costs as low as possible.
We’ll discuss the differences between Medicare Supplements and Medicare Advantage plans. Let’s narrow in on the policies that will serve you best.
I’m an independent, licensed health and life insurance agent offering:
- Medicare Supplements from a dozen insurance carriers
- 10 insurance carriers offering up to 69 Medicare Advantage and prescription drug policies depending on your county and state
- Dental, vision, hearing aids, hospital indemnity plans, cancer coverage and more
- Licensed in Colorado, Kansas, Arizona and Florida
You’ve Earned Peace of Mind – Let’s Make Sure You Have It
You’ve worked hard. You’ve paid into the system. Now it’s time to get the benefits you’re entitled to.
But if Medicare feels more confusing than it should be, you’re not alone.
I’ve helped thousands of people in Colorado, Kansas, Arizona, and Florida understand their Medicare. Many come to me saying the same thing:
“I’ve tried to research this on my own, but the more I read, the less sure I feel.”
If that sounds like you, I’m here to help – without pressure, without jargon, and without making you feel like you should already have it all figured out.
Let’s Clear Up What Medicare Actually Is
Medicare is made up of:
Not sure what you need? That’s exactly what we’ll figure out together – based on your health, your doctors, your prescriptions, and your budget.
- Part A: Inpatient Services – includes hospital stays, short-term skilled nursing facility for 24-hour rehab, hospice, some in-home rehabilitative care
- Part B: Outpatient Services – includes preventive screenings, comprehensive care, diagnostic care, treatments, outpatient surgeries, therapies
- Medicare Supplements – also known as MediGap; covers the out-of-pocket costs not covered by Original Medicare (Part A and Part B).
- Part C: Medicare Advantage – this Part bundles Part A + Part B and often Part D with additional benefits like dental, vision, hearing aids, prescription drug coverage and gym memberships
- Part D: Prescription Drug Coverage helps pay for prescription medications
Need coverage for dental, vision, or other out-of-pocket costs?
Medicare Made Easy
How It Works: My 3-Step Medicare Process
This isn’t a one-size-fits-all decision. I take a personalized, local approach to help you feel confident in your choices.
Here’s what working together looks like:
- We talk about your health needs, doctors, medications, and financial goals
- We review the plans available in your zip code and compare them clearly
- We enroll you in the right plan, at the right time, so nothing gets missed
There’s no cost to meet with me and no pressure to rush. This is your time, your plan, your peace of mind.
Who I Help
You might be in the right place if:
- You’re turning 65 and feeling unsure where to start
- You’re retiring and losing your employer health coverage
- You’re already on Medicare but want to review your plan
- You’ve recently moved and need help updating your coverage
- You just want to make sure you’re not missing anything important
Even if you’re not ready to enroll yet, we can talk about timelines and get you prepared.
Why Work With Me Instead of Going It Alone
“I just want someone to explain this in plain English.”
“I don’t want to miss a deadline or choose the wrong thing.”
“I’m afraid I’ll enroll too early, or worse, too late.”
These are the exact concerns I hear every week. And they’re valid.
When we work together, I’ll:
- Explain your options clearly and patiently
- Make sure you avoid gaps in coverage or late penalties
- Show you how plans compare – without sales pressure
- Be available to help down the road if your needs change
I’ve spent more than 10 years helping people make informed decisions about their health insurance. I’m based in Arvada and deeply familiar with the plans and provider networks available across Colorado.
What to Expect From Your Medicare Consultation
You’ll leave our conversation with clarity and next steps.
Here’s how it works:
- We’ll meet (by phone, video, or in person – your choice)
- I’ll ask about your health, lifestyle, and current coverage
- You’ll see exactly what you qualify for and how to enroll
- If you’re ready, we’ll complete the enrollment together
- I’ll stay in touch in case your needs change later on
Most consultations last about 30-45 minutes. There’s no cost to you, ever.
Common Medicare Questions
When should I enroll to avoid penalties?
If you’re turning 65, your Initial Enrollment Period begins three months before your birthday month and lasts for seven months. Missing it can lead to lifelong penalties – but we’ll make sure you enroll on time.
What if I’m still working?
You might be able to delay some parts of Medicare without penalty, depending on your employer coverage. We’ll talk through your exact situation.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage plans bundle coverage (and may include extras like dental), while Medigap fills the gaps in Original Medicare. We’ll compare both so you can decide what fits best.
Can I keep my doctor?
It depends on the plan. I’ll help you find one that includes the providers you trust.
Other questions I can walk you through:
- Are dental or vision benefits included?
- What’s the best option if I take multiple prescriptions?
- Will my spouse be covered too?
- How do Medicare premiums work?
- How do I update Medicare if I’ve moved to Colorado recently?
You don’t need to know it all – just bring your questions and I’ll guide you from there.
What Clients Say About Working with Me
Extremely knowledgeable with Medicare and Insurance coverages. Helps to explain what will work best for the Individual’s specific needs.
Laura is very good at her job. She quickly and completely shares information about Medicare insurance choices. I appreciated I could meet with her in-person, as well as phone and texts.
Laura was extremely helpful getting me all situated with Medicare enrollments and questions. Very impressed with her knowledge and how she made this process understandable and simple. Highly recommend Laura.
Laura has been very helpful with my transition to a Medicare supplement. She is always quick to answer questions and seems to know the different policies inside and out.
Laura is a very excellent Professional and impartial resource for understanding and selecting and long term maintenance of Medicare insurance. I recommend her highly.
I found Laura Norwicke to be a true professional insurance agent! She is passionate, thorough, extremely knowledgeable, with a strong sense of urgency. I would highly recommend Laura Norwicke for your Medicare insurance needs.
Laura did an awesome job getting me set up with a great Medicare plan!
Your attention, answers to my questions and clear, professional responses gave me confidence I had found the right person to work with. Further, you keep me updated on changes with policies and providers. THAT is the kind of service that is valuable to find!
She is wonderful with all the ins and outs of Medicare. Before I had her, I never knew who to call with questions. She is already proactive about the changes to part C next year.
Laura is the most knowledgeable insurance representative I have talked with. I had to change my mom’s Medicare provider to get back to her previous oncologist and I wanted to make sure she could continue to use her current specialty doctors that she was already established. Laura helped me look up each Dr. to make sure I was making the right decision with my mom’s care, she was so patient and I can’t thank her enough for her help. Don’t hesitate to contact her with all your insurance questions.
Let’s Get Started
Whether you’re feeling behind or just want to get a head start, you don’t have to do this alone.
I’m here to help you feel confident about your next steps and your future.