Protection We Can Build On
Secure your future with trustworthy insurance solutions designed for your needs. New to Medicare? We recommend starting with Medicare 101 — our plain-language guide explains everything you need to know.
Check Your Medicare Eligibility
Enter your date of birth below to instantly find out if you qualify for Medicare — no personal information stored, no obligation.
Enter your birthday to check your Medicare eligibility.
* This tool provides general eligibility guidance only and does not constitute insurance advice. Individual circumstances may vary. Contact us to speak with a fully licensed agent.
Built on Trust
Firm Foundations is built to help individuals and families make confident insurance decisions with clarity, structure, and long-term support. Our agency works with a strong network of carriers, administrative partners, and back-office resources to provide clients with dependable guidance before, during, and after enrollment. From Medicare options to life insurance and retirement-focused protection, Firm Foundations is committed to helping clients build coverage they can trust.
Medicare 101
New to Medicare? Start here — a plain-language overview of everything you need to know.
Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people do not pay a premium for Part A if they or their spouse paid Medicare taxes long enough.
Part B – Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical equipment. Part B requires a monthly premium, and most people enroll when they first become eligible to avoid a late penalty.
Part C – Medicare Advantage
An alternative to Original Medicare offered by private insurers approved by Medicare. Bundles Parts A and B (and usually Part D) into one plan, often with extra benefits like vision, dental, and hearing.
Part D – Prescription Drug Coverage
Adds prescription drug coverage to Original Medicare (Parts A and B). Plans are offered by private companies and vary in cost and drugs covered. Enrolling late may result in a permanent penalty.
When Do I Enroll?
Initial Enrollment Period
7-month window starting 3 months before your 65th birthday month.
General Enrollment Period
January 1 – March 31 each year if you missed your initial window.
Special Enrollment Period
Available if you're covered by employer insurance when you turn 65.
Not sure which period applies to you?
Your Coverage Options
We make it simple. Below are the main types of coverage we can help you with.
Medicare Supplements
Also called Medigap, these plans pay for costs Original Medicare doesn't cover — like copays, coinsurance, and deductibles. Travel anywhere in the U.S. with your coverage.
Compare Supplement PlansMedicare Advantage Plans
An all-in-one alternative to Original Medicare. Many plans include $0 premiums and added benefits like dental, vision, hearing, and fitness memberships.
Compare Advantage PlansFinal Expense
Protect your loved ones pocket booksProtect your loved ones and leave a lasting legacy. We offer term, whole, and final expense life insurance tailored to your situation and budget.
Explore Final ExpenseAsset Protection
Protect your retirementTurn your savings into a reliable income stream you can't outlive. Annuities can provide guaranteed monthly income to cover living expenses throughout retirement.
Explore Asset ProtectionPlan Comparison
Side-by-side: Medicare Supplement vs. Medicare Advantage vs. Original Medicare.
| Feature | Medicare Supplement | Medicare Advantage | Original Medicare |
|---|---|---|---|
| Monthly Premium | Usually higher | Often $0 | Part B premium only |
| Network Restrictions | No network — any doctor | Must use network | Any Medicare doctor |
| Dental / Vision / Hearing | Not included | Often included | Not included |
| Prescription Drug Coverage | Separate Part D plan | Usually bundled | Separate Part D plan |
| Out-of-Pocket Costs | Very predictable | Varies by plan | Can be significant |
| Travel Coverage | Nationwide, some foreign | Limited to service area | Nationwide |
Not sure which plan fits you best?
Frequently Asked Questions
Common Medicare questions — answered in plain language.
Insurance Glossary
Plain-English definitions for common insurance terms.
Premium
The amount you pay each month for your insurance coverage — whether or not you use any medical services.
Deductible
The amount you pay out-of-pocket for covered services before your insurance plan starts paying. Once met, your plan shares the cost.
Copay
A fixed dollar amount you pay for a covered service — like $20 for a doctor visit. The plan pays the rest.
Coinsurance
Your share of costs after you've met your deductible, expressed as a percentage. For example, you pay 20% and Medicare pays 80%.
Out-of-Pocket Maximum
The most you'll ever have to pay in a plan year. Once you reach this limit, your plan covers 100% of covered services.
Network
The group of doctors, hospitals, and providers that have an agreement with your insurance plan. Using in-network providers usually costs less.
Formulary
The list of prescription drugs covered by a Part D or Medicare Advantage plan. Drugs on the list are covered; those off the list may not be.
Benefit Period
For Medicare Part A, this is the span of time for measuring your use of hospital or skilled nursing facility services, starting the day you're admitted.
Coordination of Benefits
When you have more than one insurance plan, this process determines which plan pays first and how much the second plan covers after that.
Creditable Coverage
Health or drug coverage you have that is at least as good as Medicare's. Having creditable coverage before enrolling in Medicare can help you avoid late-enrollment penalties.
What to Expect
Here's exactly what happens after you reach out to us.
You Submit Your Information
Fill out the quick contact or intake form on this website. It takes less than 3 minutes and your information is kept private and secure.
A Fully Licensed Agent Reviews Your Needs
A fully licensed agent personally reviews your situation — your current coverage, budget, and health needs — before reaching out to you.
Our Team Contacts You to Schedule
A fully licensed agent will call or email you to schedule a free, no-obligation consultation at a time that works for you.
Together You Review Your Options
Our licensed agent walks you through your plan choices side by side, in plain language. No jargon, no pressure — just honest answers.
You Choose the Plan That Fits Your Life
When you're ready, our team handles the enrollment paperwork for you. You're covered — and a fully licensed agent stays available for questions anytime.
Our Services
We're with you every step of the way — from your first Medicare question to years of ongoing support.
Free Consultations
No pressure, no cost. We sit down with you (in person or by phone) to review your current situation and what options are available to you.
Annual Plan Reviews
Medicare plans change every year. We review your coverage each fall during Open Enrollment to make sure you're still in the best plan for your needs.
Enrollment Assistance
Paperwork can be confusing. We handle the enrollment process for you, making sure deadlines are met and forms are filled out correctly.
Claims Support
If you ever have a billing issue or claim denial, we advocate on your behalf to get it resolved quickly.
Life Insurance & Annuity Planning
We help you protect your family and build reliable retirement income with carefully selected life and annuity products.
Ongoing Education
We hold community workshops and send plain-language updates so you always understand your coverage and your rights.
Required Forms
Before we can discuss certain products, we're required by law to have you complete the forms below. Click below to fill them out online — your responses are saved securely.
* A Scope of Appointment (SOA) form is required by Medicare regulations before we can discuss Medicare Advantage or Part D plans with you.
Companies We Carry
Trusted carriers. Dependable coverage.
And many more!
What Our Clients Say
Our agent is extremely knowledgeable and truly takes client concerns to heart. He is easy to talk to, kind, professional, and makes sure every question is addressed. I have trusted his guidance for 10 years.
Krystal M.
Our agent was absolutely amazing, thorough, and highly knowledgeable. He answered all of my questions clearly and has continued to support me over the years.
Brittany A.
Our agent explained my Medicare options in a way that finally made sense. I was confused before, but after meeting with him I felt confident and informed. I would recommend Firm Foundations agents to anyone.
Deani R.
Contact Us
Ready to get started? Reach out and we'll schedule a free, no-obligation consultation.
Get in Touch
Phone
715-204-9852
contact@firmfoundationsorg.com
Location
State of Wisconsin
Office Hours
Prefer a Call?
Leave your name and number and a fully licensed agent will call you back at their earliest convenience.
📋 Before Your Appointment
If you're interested in Medicare Advantage or Part D plans, you'll need to complete a before our consultation. It only takes a minute.
Request a Free Consultation
Scope of Appointment
Required by Medicare regulations before discussing Advantage or Part D plans.