Services
Everything you need to navigate Medicare — at no cost to you.
From your very first question to annual plan reviews, Janelle is with you every step of the way.
One broker. Every Medicare need.
Medicare decisions are some of the most consequential you'll make in retirement. Janelle Decker offers a full range of no-cost services designed to take the confusion out of the process and put you in control of your coverage.
Medicare Education
Understand your options before you decide.
Not sure what Medicare Part A, B, C, or D actually means for you? Janelle will walk you through the basics in plain language — no jargon, no pressure. Whether you're turning 65, leaving employer coverage, or just trying to understand what you have, she'll make sure you feel confident and informed.
- How Medicare Parts A, B, C, and D work
- Original Medicare vs. Medicare Advantage
- Medicare Supplement (Medigap) explained
- Enrollment periods and deadlines
- Late enrollment penalties and how to avoid them
Plan Comparison & Selection
Find the plan that fits your life, your doctors, and your budget.
With access to plans from 12 insurance organizations, Janelle compares your options side by side — looking at premiums, out-of-pocket costs, drug formularies, and provider networks. She does the research so you don't have to.
- Medicare Advantage plan comparison
- Part D Prescription Drug Plan review
- Medicare Supplement plan analysis
- Doctor and hospital network verification
- Prescription drug coverage check
Enrollment Assistance
Get enrolled correctly — the first time.
Enrollment mistakes can be costly and difficult to fix. Janelle guides you through the entire enrollment process, making sure you meet your deadlines, avoid penalties, and end up with the coverage you intended.
- Initial Enrollment Period guidance
- Special Enrollment Period qualification
- Annual Enrollment Period plan changes
- Application completion and submission
- Confirmation and follow-up
Annual Plan Reviews
Your coverage should keep up with your life.
Medicare plans change every year — premiums, drug formularies, and provider networks can all shift. Janelle reviews your coverage each Annual Enrollment Period to make sure your plan still makes sense for your situation.
- Year-over-year plan comparison
- Drug formulary change review
- Premium and cost-sharing analysis
- Provider network confirmation
- Switching plans when it makes sense
Ongoing Support
A real person in your corner, year-round.
Janelle isn't just here for enrollment season. She's your broker for the long haul — available when you have billing questions, need help with a claim, or simply want to understand your Explanation of Benefits.
- Billing and claims assistance
- Explanation of Benefits review
- Coverage questions answered
- Provider and pharmacy issues
- Life change and plan update guidance
Caregiver & Family Support
Helping families navigate Medicare together.
Sometimes it's a son, daughter, or spouse trying to help a loved one understand their Medicare options. Janelle welcomes family members and caregivers into the conversation and makes sure everyone understands the plan.
- Family consultations welcome
- Multi-state coverage for snowbirds
- Coordination with other coverage
How it works
Simple, straightforward, and always free.
Schedule a free consultation
Call, email, or fill out the contact form. There's no obligation and no sales pressure — just a conversation.
Review your options together
Janelle will learn your situation and walk you through the plans that make the most sense for your needs.
Enroll with confidence
Once you've chosen a plan, Janelle handles the enrollment and stays with you as your dedicated broker.
Ready to find the right Medicare plan?
Schedule a free, no-obligation consultation with Janelle today.
Schedule a Free Consultation