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 Our goal at UIA is to help you understand the Medicare plans that are available and best fit your unique health needs. We will educate and guide you through enrollment and use of your plan.

We realize it's a confusing alphabet soup of Medicare part A, B, C, or D  and how those plans interact with supplemental plans.


An error in timing can mean you have to pay penalties, limited enrollment opportunity, or coverage delay. As masters of Medicare, you can trust UIA to strip away the confusion and present you options such as Medicare Advantage plans, Medicare supplemental coverage and prescription drug coverage - everything you need for a healthy future.  

We also understand your financial health is a very important part of your overall well-being. We will support you by helping you understand the financial side of Medicare and we'll simplify the plans available to you. You will leave our office with peace of mind in your plan choice.

Medicare Advantage

A Medicare Advantage Plan, (also known as Part C) is an "all in one" plan that covers Part A, Part B and usually Part D. You may also see these called "MAPDs".

Medicare Supplement

A Medicare Supplement Plan (also known as Medigap policy) covers the remaining costs of Part A and B that original Medicare does not cover. 

Prescription Drug Plan

A Prescription Drug Plan (PDP) is a drug plan that you can add to complement a plan that doesn't include Part D, like a Medicare Supplement or MSA.

Helping You Make Sense of Medicare

When do I need to sign up for Medicare?

In most cases, you should apply for Medicare when you turn 65. The open enrollment period starts three months before the month you turn 65, includes your birth month and extends three months past the month you turn 65, giving you a seven-month window.

What is the difference between Medicare Part A, B, C and D?

Medicare Part A is hospital insurance that covers inpatient hospital care, time at a skilled nursing facility, and some home health & hospice care. Medicare Part B is medical insurance that helps pay for doctor visits, outpatient care, home health care, durable medical equipment and preventive services. Medicare Part C (also known as a Medicare Advantage plan) includes and enhances all the benefits of Part A & B, and includes prescription drugs and other benefits such as dental, vision and hearing. Medicare Part D is prescription drug coverage.

What if I'm still working?

It may make sense to enroll in Medicare but not always. Especially if you have a younger spouse. At UIA, we will provide you with expert advice on whether to stay on an employer plan or enroll in Medicare.

How do I insure my younger spouse?

If you're ready to enroll in Medicare, we can assist you with making sure your younger spouse has proper medical insurance until he or she is ready for Medicare.

Which plans offer vision, gym memberships, and dental benefits?

Medicare does not cover these benefits, but we have many plans that offer these great benefits so its important to compare policies that do offer these add on's. 

What if I want to travel, am I covered?

Medicare does not cover you when you leave the United States, but we have plans that will offer coverage. It's your time to travel and we'll provide you protection.

What is the difference between a Medicare Supplement and Medicare Advantage plan?

There are many differences between a Medicare Supplement (Medigap) policy and a Medicare Advantage plan.  It is extremely important that each is explained in great detail to ensure you make the right choice for you.

Can I keep my doctor?

Much depends on the type of Medicare plan you purchase. Some plans limit the providers you're able to see. At UIA, we'll spend time discussing ways you can keep your current physician.

Meet Your Advisors

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Pam Utpadel

President / Advisor

Chris Utpadel

Vice-President / Medicare Advisor


Maudie Gasman

Medicare Advisor

Disclaimer: We do not offer every plan available in your area. Currently, we represent up to 16 organizations which offer up to 80 products in your area. Please contact, 1-800-Medicare, or your local State Health Insurance Program to get information on all of your options.

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