If you're still working and covered by a qualifying employer health plan, you may be able to delay Medicare enrollment without penalty. However, the rules vary depending on the size of your employer. This is one of the most common mistakes people make — let us review your specific situation before you decide whether to enroll or delay.ion text goes here

Medicare A is usually premium-free if you've worked and paid Medicare taxes for at least 10 years. Medicare Part B (medical coverage) has a monthly premium — in 2026, the standard premium is $185/month, though higher-income individuals may pay more. Additional plan premiums depend on which Medicare Advantage or Supplement plan you choose. We'll walk you through all the costs so there are no surprises

+

Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan, often with lower premiums but network restrictions and copays. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs, giving you more flexibility to see any doctor who accepts Medicare — usually at a higher monthly premium. There's no one-size-fits-all answer; the right choice depends on your health, travel habits, and budget. We help you compare both.

No — our services are completely free to you. As an independent broker, we're compensated by the insurance carriers when you enroll in a plan through us. This means you get unbiased, expert guidance at no cost. We're not tied to any single carrier, so our only goal is finding the best plan for you.

Absolutely — and we encourage it! Our office is located at 3615 Blue Ridge Blvd in the Blue Ridge Mall in Botetourt County, right beside the Blue Ridge Post Office. Walk-ins are always welcome Monday through Friday, 9am to 4pm. You can also book a free 30-minute consultation online at valleymedicaresolutions.com if you'd prefer a scheduled time.