Important Medicare Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Janowski Insurance Services is not connected with or endorsed by the U.S. government or the federal Medicare program. See our Disclosures page for full producer information, NPN, and licensing.
At Janowski Insurance Services, we help you compare and enroll in Medicare Advantage Plans, Medicare Supplement (Medigap) policies, and standalone Part D drug plans. To make the right choice, it helps to understand how Medicare itself works:
Medicare is the federal health insurance program for people 65 and older, certain people under 65 with disabilities, and people with End-Stage Renal Disease. It has four parts: Part A (hospital), Part B (medical), Part C (Medicare Advantage, an alternative way to receive Parts A and B), and Part D (prescription drugs).
Most Medicare enrollees choose between two paths: Original Medicare paired with a Medicare Supplement (Medigap) policy and a standalone Part D drug plan, or a Medicare Advantage plan that combines hospital, medical, and usually drug coverage in one. Each path has different costs, network rules, and trade-offs. We help Virginia Beach residents understand the choices and pick a plan that fits their providers, prescriptions, and budget.
Why choose our Medicare guidance
Medicare decisions affect what you pay, which doctors you can see, and how much flexibility you'll have if your health needs change. We work across multiple carriers and review your plan annually to keep it aligned with your current situation.
Independent across carriers
We're appointed with several Medicare carriers, so the recommendation is based on which plan fits your needs — not which carrier we represent.
Annual reviews each fall when plan benefits, formularies, and star ratings change.
Easy-to-understand explanations of Original Medicare, Medigap, Advantage, and Part D so you can compare them side by side.
Our key benefits
The biggest Medicare decision happens around age 65: Original Medicare with a Supplement and standalone Part D, or a Medicare Advantage plan that bundles everything together. Original Medicare with a Supplement generally offers broader provider access and predictable out-of-pocket costs; Medicare Advantage plans often have lower premiums and additional benefits but use provider networks and may require referrals or prior authorizations for some services.
The right choice depends on your prescriptions, your providers, whether you travel, and how much predictability you want in your out-of-pocket costs. We walk through the comparison with you and revisit it each year during the Annual Election Period.
Drug Plan Optimization
We compare your medication list against available Part D plans annually, since formularies change.
Provider Network Verification
We confirm your doctors and hospitals before you switch plans.
Annual Election Reviews
Each fall, we review whether your current plan is still the right fit.
Frequently asked questions
Find clear and helpful answers to the most common questions about our insurance plans, coverage options, claims process, and policy terms. This section is designed to provide quick guidance and clarity, helping you make informed decisions with confidence.
Your Initial Enrollment Period is a 7-month window around your 65th birthday — three months before, the month of, and three months after. If you delay enrolling in Part B or Part D without other creditable coverage, you may face permanent late-enrollment penalties. If you're still working with employer coverage at 65, the rules differ — we can walk through your specific situation.
A Medicare Supplement (Medigap) works alongside Original Medicare to fill gaps in cost-sharing — generally with broader provider access and predictable costs but a higher premium. Medicare Advantage replaces Original Medicare with a private plan, often bundling Part D and additional benefits, but uses provider networks and may require prior authorization for some services.
Part D is Medicare prescription drug coverage. If you have Original Medicare, you can add a standalone Part D plan; most Medicare Advantage plans include it. If you don't enroll when first eligible and don't have other creditable drug coverage, you may face a permanent late-enrollment penalty.
The Annual Election Period runs October 15 through December 7, when you can switch between Advantage and Original Medicare or change Part D plans. The Medicare Advantage Open Enrollment Period runs January 1 through March 31, when those enrolled in Advantage can switch to a different Advantage plan or back to Original Medicare. Special Enrollment Periods are also available after qualifying life events.
No. Medicare producer compensation is regulated by CMS and paid by the insurance carrier. Working with a licensed producer doesn't change your premium or your benefits.