A
Hospital Insurance
Covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Usually premium-free if you've worked 10+ years.
Licensed, independent Medicare agents
Medicare made clear.
Coverage made right.
Turning 65 or reviewing your plan? BW Service Solutions LLC compares plans from top carriers, explains your options in plain English, and helps you enroll — at no cost to you.
$0Cost for our guidance
15+Carriers compared
4.9★Average client rating
Your free Medicare review includes:
A 30-minute, no-pressure conversation with a licensed agent.
Personalized plan comparisonAdvantage, Supplement & Part D — side by side
Doctor & prescription checkWe confirm your providers and meds are covered
Enrollment deadline guidanceAvoid late penalties and coverage gaps
Year-round supportOne agent who knows you — not a call center
No obligation. Ever.
Medicare 101
The four parts of Medicare, explained simply
Medicare isn't one plan — it's a set of building blocks. Here's what each part covers so you know what to look for.
B
Medical Insurance
Doctor visits, outpatient care, preventive services, lab tests, and durable medical equipment. Has a monthly premium and 20% coinsurance.
C
Medicare Advantage
Private plans that bundle Parts A & B — often with Part D, dental, vision, and hearing. Many plans have $0 premiums with network rules.
D
Prescription Drugs
Standalone prescription coverage that pairs with Original Medicare or a Supplement. Plans differ widely — the right one depends on your medications.
Plan Options
Which path fits your life?
There's no single "best" plan — only the best plan for you. We'll help you weigh cost, flexibility, and coverage.
Medicare Advantage
Often $0/month premium
All-in-one coverage from a private insurer with extra benefits Original Medicare doesn't include.
- Bundles Parts A, B and usually D
- Dental, vision, hearing & fitness perks
- Annual out-of-pocket maximum
- Best if your doctors are in-network
Medicare Supplement
Predictable monthly premium
Also called Medigap — fills the gaps in Original Medicare so you have little to no surprise bills.
- See any doctor that accepts Medicare
- No referrals, no networks, nationwide
- Covers deductibles & 20% coinsurance
- Pair with a Part D drug plan
Part D & Ancillary
Tailored to your prescriptions
Standalone drug coverage plus optional dental, vision, hospital indemnity and final expense protection.
- We run your exact medication list
- Avoid the late enrollment penalty
- Dental & vision add-ons
- Review every Annual Enrollment Period
Why BW Service Solutions
Big-agency options. Small-team care.
We're independent, which means we aren't tied to a single insurer. Our only job is to find the plan that's right for you — and stay by your side after you enroll.
Truly independent
We represent multiple top-rated carriers, so we compare — not sell. Our recommendation is based on your doctors, your prescriptions, and your budget.
Free — always
Our guidance costs you nothing. We're compensated by the carrier you choose, and your premium is the same whether you use us or go direct.
One dedicated agent
You'll work with the same licensed agent from your first call through every renewal. No phone trees, no strangers, no starting over.
Plain-English explanations
We translate the jargon — deductibles, MOOPs, formularies — into simple language so you can make a confident decision.
Annual plan check-ups
Plans change every year. Each fall we review your coverage against what's new so you never overpay or lose a benefit.
Help when claims go wrong
Denied claim? Billing confusion? Call us. We advocate for you with the carrier so you aren't fighting alone.
0Clients guided
0Carriers compared
0Client retention
0Average response time
How It Works
Three simple steps to the right coverage
1
Book a free call
Pick a time that works for you — phone, video, or in person. Tell us about your doctors, prescriptions, and what matters most.
2
We compare your options
We run your details against plans from 15+ carriers and walk you through a clear side-by-side comparison with real costs.
3
Enroll with confidence
Choose your plan and we handle the paperwork. Then we stay with you for questions, claims, and your yearly review.
Client Stories
Trusted by families across the community
"I was drowning in mailers when I turned 65. One call with BW and it all made sense. They found a plan that kept my cardiologist and saved me over $900 a year on prescriptions."
MR
Margaret R.Retired teacher
"No pressure, no sales pitch. They explained Advantage vs. Supplement in a way I actually understood and let me decide. That honesty is why I send my friends."
JT
James T.Small business owner
"When a claim got denied, my agent handled the whole thing with the insurer. I've never had that kind of support before. They truly stay with you."
LP
Linda P.Client since 2022
Questions
Frequently asked questions
Yes. Our services are free to you. We are paid by the insurance carrier when you enroll, and your premium is identical whether you enroll through us or directly with the carrier.
Your Initial Enrollment Period is the 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). You can also make changes during the Annual Enrollment Period (Oct 15 – Dec 7) and in certain Special Enrollment Periods.
Neither is universally better. Advantage plans often have low or $0 premiums with extra benefits but use provider networks. Supplements cost more monthly but let you see any Medicare provider with minimal out-of-pocket costs. We'll compare both against your doctors, medications, and budget.
That's one of the first things we check. Before recommending any plan, we verify that your doctors, hospitals, and pharmacies are covered so there are no surprises.
It depends on your employer's size and coverage. Some people should delay Part B to avoid paying for coverage they don't need; others face penalties if they wait. We'll help you figure out the right timing for your situation.
Free Consultation
Let's find your right plan — together.
Tell us a little about yourself and a licensed BW agent will reach out within one business day to schedule your free, no-obligation review.
- 30 minutes, your schedulePhone, video, or in person — whatever is easiest.
- Bring your doctor & medication listWe'll check coverage while we talk.
- Zero pressureWalk away with clarity, whether or not you enroll.
(800) 555-0199Prefer to talk now? Mon–Fri 8am–6pm, Sat 9am–1pm
You're all set!
A licensed BW agent will reach out within one business day to schedule your free review.