Medicare Planning

Medicare Planning Services by RBC Consulting Group

 At RBC Consulting Group, we specialize in providing comprehensive Medicare planning services that ensure individuals and families have the necessary financial security and access to quality healthcare. With our expertise in insurance and financial consulting, we guide clients through the complexities of Medicare to help them make informed decisions.

What is Medicare?

Medicare is a federal health insurance program designed for people aged 65 and older, as well as certain younger individuals with disabilities. It consists of different parts, each providing specific coverage options:

  • Part A: Hospital insurance covering inpatient care, skilled nursing facilities, hospice care, and some home health services.
  • Part B: Medical insurance covering doctor visits, outpatient care, preventive services, and medical supplies.
  • Part C (Medicare Advantage): Privately offered Medicare plans providing Part A and Part B coverage, often including additional benefits like prescription drugs and dental care.
  • Part D: Prescription drug coverage, available as a standalone plan or included in a Medicare Advantage plan.


Understanding the nuances of each Medicare part is crucial for making informed decisions about coverage.

Why Choose RBC Consulting Group for Medicare Planning?

When it comes to Medicare planning, choosing the right partner is essential. Here’s why RBC Consulting Group stands out:

  • Expertise:
    • Our consultants possess deep knowledge of Medicare regulations and options, ensuring that clients receive accurate and up-to-date information.
  • Personalized Approach:
    • We understand that each client’s healthcare needs and financial goals are unique. Our personalized approach allows us to tailor Medicare plans accordingly.
  • Proven Results:
    • We have a track record of helping clients achieve their Medicare planning goals, as showcased by our satisfied clients’ testimonials.

Our Medicare Planning Process

We follow a comprehensive process to ensure that our clients receive customized Medicare plans that meet their specific needs:

  • Initial Assessment:
    • Our experts conduct an in-depth assessment to understand each client’s healthcare requirements, financial situation, and preferences.

  • Comprehensive Analysis:
    • We evaluate different Medicare plans, considering factors such as coverage options, costs, prescription drug needs, and preferred healthcare providers.

  • Personalized Recommendations:
    • Based on the analysis, we present clients with personalized Medicare plan recommendations that align with their healthcare and financial goals.

  • Plan Selection and Enrollment Assistance:
    • We guide clients through the plan selection process and provide hands-on assistance with Medicare enrollment, ensuring a smooth transition.

Key Services and Solutions

Our Medicare planning services cover a range of important areas to ensure comprehensive coverage and peace of mind:

  • Eligibility Evaluation and Enrollment Assistance:
    • Determine clients’ eligibility for Medicare and guide them through the enrollment process.

  • Analysis of Different Medicare Plans and Coverage Options:
    • Assess the pros and cons of various Medicare plans, helping clients make informed decisions that suit their needs.

  • Assistance with Medicare Advantage and Supplemental Insurance Selection:
    • Explore Medicare Advantage plans and supplemental insurance options to enhance coverage and bridge any gaps.

  • Prescription Drug Plan Evaluation and Guidance:
    • Help clients choose the most suitable Medicare Part D plan based on their specific medication needs.

  • Long-Term Care Planning Considerations:
    • Discuss long-term care options, such as nursing homes or in-home care, and explore relevant insurance coverage.

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At RBC Consulting Group, our commitment to providing exceptional financial guidance through Medicare Planning remains unwavering. Our team of experienced and dedicated financial advisors are equipped with the knowledge and expertise to tailor comprehensive strategies that align with your unique financial goals and aspirations. By understanding our approach, we prioritize transparency, objectivity, and accountability, ensuring that our clients’ best interests always come first. Whether you are seeking to grow your wealth, plan for retirement, or navigate complex financial decisions, our Medicare Planning service empowers you to make informed choices, navigate the ever-changing life plan, and achieve lasting prosperity. Trust in RBC Consulting Group to guide you towards a brighter and more secure financial future.

Ready to take the first step towards a secure health care plan? Contact our team of expert advisors today to schedule a consultation or request more information. We look forward to helping you achieve your Medicare goals.

Frequently Asked Questions (FAQs)

Medicare is primarily available for individuals aged 65 and older who have worked and paid Medicare taxes. Some younger individuals with disabilities or certain medical conditions may also qualify. Eligibility details can vary, so it’s essential to consult with a Medicare expert to determine your specific eligibility.

It’s generally recommended to enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday month and lasts for seven months. However, if you continue to have employer-sponsored healthcare coverage, you may be eligible for a Special Enrollment Period (SEP) that allows you to delay enrollment without penalties. Consulting with a Medicare planning specialist can help you understand the timing that best suits your situation.

Medicare consists of different parts that cover various aspects of healthcare:

Part A: Hospital insurance that covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home healthcare.
Part B: Medical insurance that covers doctor visits, outpatient care, preventive services, and durable medical equipment.
Part C (Medicare Advantage): Privately offered plans that combine Parts A and B coverage, often including additional benefits like prescription drug coverage and dental services.
Part D: Prescription drug coverage available as a standalone plan or included in some Medicare Advantage plans. It helps reduce the cost of prescription medications.

Yes, you have the opportunity to change your Medicare plan during certain periods. The Annual Enrollment Period (AEP) occurs from October 15 to December 7 each year, allowing you to switch Medicare Advantage or Part D plans. Additionally, there are Special Enrollment Periods (SEPs) triggered by specific circumstances, such as moving or losing employer coverage. It’s crucial to review your options during these periods and consult with a Medicare planning professional to ensure the changes align with your needs.

Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. These plans provide an alternative way to receive Medicare benefits, combining hospital insurance (Part A) and medical insurance (Part B) coverage. They often offer additional benefits such as prescription drug coverage, vision, dental, and hearing services. Supplemental insurance plans, also known as Medigap plans, help cover the gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments.

How We Work


Schedule Discovery Meeting

Schedule an in-depth discovery session to learn more about you and your financial planning history


Meet With Our Agent

This meeting allows us to learn about previous financial planning experience, risk tolerance and your unique goals


Create Customized Plan

RBC Consulting Group puts together a customizable personal financial plan using financial tools to meet your needs


Onboard Client with RBC

Once our clients review and confirm the customized plan meets their needs, we get them signed up and onboarded.

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