Licensed Insurance Professional
Your Medicare Transition Specialist
Turning 65 is a milestone — and navigating Medicare doesn't have to be overwhelming. I help you understand your options clearly, enroll with confidence, and secure coverage that fits your life.
Serving residents of Massachusetts and Connecticut.
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About Heather
"My goal is simple — make sure you understand exactly what you're signing up for."
I'm an independent agent, which means I work for you — not for any single insurance company. I compare plans from multiple carriers to find the right fit for your health needs and budget.
Why It Matters
You have a limited window when you first become eligible for Medicare. Missing key enrollment deadlines can mean permanent penalties or gaps in coverage. I make sure that doesn't happen to you — and that you're never left navigating complex choices alone.
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What We Cover
From the moment you approach 65 through every year of retirement, I'm here to help you find and keep the right coverage.
Also known as Part C, Medicare Advantage plans bundle your hospital, medical, and often prescription coverage into a single plan — sometimes with dental and vision included. I'll help you compare carriers in your area to find the best network and benefits for your situation.
Learn More →Medigap plans work alongside Original Medicare to cover the "gaps" — things like deductibles, coinsurance, and copayments. If you prefer the freedom to see any doctor who accepts Medicare, a Supplement plan may be the right choice.
Learn More →Prescription drug costs can add up quickly. Part D plans vary significantly in their formularies, monthly premiums, and pharmacy networks. I'll review your current medications and compare plans to ensure your prescriptions are covered affordably.
Learn More →Whether you're protecting a spouse, covering final expenses, or leaving a legacy for your family, life insurance remains an important part of retirement planning. I offer options from term and whole life to indexed universal life — tailored to your goals.
Learn More →Original Medicare doesn't cover routine dental, vision, or hearing care — but you don't have to go without. I help you find standalone or bundled plans that close these critical gaps, so you can maintain your quality of life without surprise bills.
Learn More →Final expense insurance provides a straightforward, affordable way to cover funeral and burial costs, outstanding medical bills, or other end-of-life expenses — relieving your family of financial burden during a difficult time. These plans are typically easy to qualify for, with no medical exam required.
Learn More →How It Works
No pressure. No confusing jargon. Just a clear, guided process from our first conversation to the day your coverage begins.
We start with a relaxed conversation — by phone, video, or in person — to understand your health needs, current coverage, and retirement goals.
I research plans from multiple carriers available in your zip code, compare costs and benefits side by side, and explain each option in plain language.
When you're ready, I handle the paperwork with you — making sure enrollment is completed accurately and submitted on time to protect your deadlines.
I'm here year-round. During Annual Enrollment, I'll review your plan to make sure it still fits — and make changes if needed, at no cost to you.
Why Choose Heather
"Navigating Medicare alone is like reading a contract in a language you've never learned."
Most people turning 65 have dozens of options and very little time to sort through them. An enrollment mistake — like missing your Initial Enrollment Period — can result in permanent late penalties that stay on your premium for life. Having an experienced guide in your corner makes all the difference.
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Consultations are always free, always pressure-free. Reach out however is most comfortable for you.