Medicare Made Clear.
Guidance You Can Trust.
I'm Betsy Barbosa Villa — an independent broker who works for you, not an insurance company. I'll help you understand every option, compare every plan, and feel confident in your choice.
✓ Always free. No pressure. No obligation. Just clear answers.
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Part A covers hospital stays, skilled nursing care, and hospice services. Most people with a work history pay no monthly premium.
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice & home health services
- No premium for most people
Part B covers doctor visits, lab work, and preventive screenings. Enrollment timing matters — miss the window and you face lifetime penalties.
- Doctor & specialist visits
- Preventive screenings & vaccines
- Lab work & outpatient procedures
- Durable medical equipment
Medicare Advantage bundles Parts A & B — often with dental, vision, hearing, and an annual cap on what you'll pay out of pocket.
- Combines Parts A & B in one plan
- Often includes dental, vision & hearing
- Annual out-of-pocket spending limit
- Many plans include drug coverage
Part D covers your prescriptions. Plans vary widely — I'll compare your specific drugs against available plans to save you real money.
- Generic & brand-name drug coverage
- Matched to your specific medications
- New $2,000 out-of-pocket cap (2025)
- Can be added to Original Medicare
