Lee's Summit · Serving the Kansas City metro — Missouri & Kansas

Medicare, finally in plain English.

I'm David Austin. I translate the fine print into decisions you actually feel good about — no jargon, no sales pressure, no confusion.

Free · No obligation · No pressure · I never sell your information.

Clear. Confident. Protected.
David Austin, independent Medicare advisor in Lee's Summit, Missouri
David Austin Independent · on Medicare himself
Licensed in Missouri & Kansas Independent — not tied to one company Local to Lee's Summit NPN 21769982

Why I do this

I've sat exactly where you're sitting.

I spent thirty-five years building my own business — in technology, not insurance. When I aged into Medicare myself, I ran headfirst into how genuinely confusing — and how high-stakes — these decisions are. I did the homework, made a careful choice, and a few years later, when my health took a turn, that choice mattered more than I ever expected.

That's why I do this now, and why I do it the way I do. Medicare is complicated enough on its own — you shouldn't have to face it alone or under pressure.

Explain the options in plain English, honestly, with no agenda but yours — and let you decide at your own pace.

That's the whole job. That's what a Chief Medicare Interpreter is for.

What to expect

Calling me is easy. Here's exactly how it goes.

No script, no hard sell, no pressure to decide anything on the spot — just a straightforward conversation.

1

We talk

A real conversation about your situation — your doctors, your medications, your budget, and what matters most to you. You ask anything; I answer honestly.

2

I explain your options

I lay out how Medicare Advantage, Medigap, and Part D would actually work for you — in plain English, trade-offs and all — so the choice is clear.

3

You decide — at your pace

There's no rush and no pressure — you never have to decide on the spot. And once you're enrolled, I don't disappear: I'm here for your questions, and I'll review your coverage with you every year.

Start that conversation Free · No obligation · No pressure.

Medicare, decoded

Tap a term. I'll translate it.

Medicare is full of words designed to make simple things sound complicated. Here's the same idea, said like a human. This is general education — not plan-specific advice.

The basics
Costs
Doctors & networks
Drugs
Enrollment
What they say
Original Medicare
What it means
The government's own coverage — Part A (hospital) and Part B (doctors). You can use almost any provider that accepts Medicare, but on its own it doesn't cap what you pay in a year.

Easy to mix up

The two comparisons everyone confuses

These four terms trip up almost everyone. Side by side, they're simple.

Copay vs. Coinsurance
Copay
A flat fee. $20, every time — you know it up front.
vs
Coinsurance
A percentage. 20% of the bill, however big it gets.
The difference: a copay is a fixed price; coinsurance rides the size of the bill.
HMO vs. PPO
HMO
Lower cost — but stay in-network and usually pick a primary doctor.
vs
PPO
More freedom to go out-of-network — for a higher price.
The difference: HMO trades flexibility for savings; PPO trades savings for flexibility.

What the ads leave out

The gaps in Original Medicare

Parts A and B are a strong foundation — but they were never built to cover everything. Here's what they leave on the table.

1

No prescription drug coverage

Part D is separate

2

No routine dental

Cleanings, work, dentures

3

No routine vision

Exams, glasses

4

No routine hearing

Exams, hearing aids

ORIGINAL MEDICARE PART A PART B
5

No out-of-pocket maximum

Your share can add up

6

You still pay the cost-sharing

Deductibles, copays & 20%

7

Long-term custodial care

Generally not covered

8

Foreign travel emergencies

Very limited coverage

So what fills the gaps?

Many people add coverage to close these gaps — a Medicare Supplement (Medigap), Part D, or a Medicare Advantage plan. Which one fits depends entirely on your situation. That's the conversation I walk you through.

Talk it through with me
Free · no obligation · no pressure
2026 figures

The actual numbers

How Part A & Part B actually work

Original Medicare is two parts. Here's what each one covers — and exactly what you're on the hook for.

Part A
Hospital Insurance
Inpatient hospital, skilled nursing, hospice
Monthly premium
$0
for most people (40+ quarters worked)
A hospital stayYou pay ↓
Days 1–60Your deductible per benefit period
$1,736
Days 61–90Daily coinsurance
$434/day
Days 91+Lifetime reserve days (60 total)
$868/day
Skilled nursing (after a 3-day stay)You pay ↓
Days 1–20
$0
Days 21–100Daily coinsurance
$217/day
The catch
Part A has no out-of-pocket maximum.
Part B
Medical Insurance
Doctors, outpatient care, tests, equipment
Monthly premium
$202.90
standard; more if higher income
Annual deductible
$283
once per year
After you meet the deductibleYour share
Medicare pays
80%
You payOf the approved amount, most services
20%
What Part B covers

Doctor visits, outpatient & hospital treatment, lab tests, preventive care, durable medical equipment, home health, and more.

The catch
No out-of-pocket maximum — your 20% share has no yearly ceiling.
NEW 2026Part D now caps your yearly drug costs at $2,100.
Download the printable guide (PDF)

Standard 2026 figures from Medicare.gov. Higher-income beneficiaries pay adjusted premiums (IRMAA); Part D deductibles and premiums vary by plan.

How I help

Three parts of the puzzle. One person to make sense of them.

01 / Coverage

Medicare Advantage

An all-in-one alternative to Original Medicare, often bundling extra benefits. I walk you through how it works and whether the trade-offs fit your life — not just this year, but down the road.

02 / Coverage

Medicare Supplement

Also called Medigap — it fills the gaps Original Medicare leaves behind. I explain what these plans do, how they differ, and the timing rules that quietly matter more than most people realize.

03 / Coverage

Prescription Drugs (Part D)

The piece that covers your medications. I help you understand how drug coverage is structured so you're not caught off guard — and know what to review each year.

Plus — the coverage Medicare skips

Standalone Dental & Vision

Remember the gaps? Two of the biggest — routine dental and vision — aren't covered by Original Medicare, and a Medicare Supplement (Medigap) doesn't add them either. I can help you fill them with straightforward standalone plans, so cleanings, exams, and glasses aren't all out of pocket.

Ask me about it

Why work with me

The difference is who's on the other end.

A.

I'm on Medicare too

Same landscape, same decisions. I've navigated this for myself — so you're getting lived experience, not a script.

B.

Independent, not captive

I'm not tied to a single company's products. My job is to help you compare, not to sell you one answer.

C.

Zero pressure, always

No hard closes, no urgency games. We move at your pace, and "let me think about it" is a complete sentence.

D.

A real person answers

Local to Lee's Summit. When you call, you reach me — and I'm still here after you've enrolled.

Ready when you are

Want to see your options side by side?

Browse and compare plans in a private, secure tool — at your own pace, no account required. When you have questions, I'm one call away.

Compare plans
Secure & private · powered by SunFire

Let's talk

A clear conversation, whenever you're ready.

No cost, no obligation — just answers. Reach out and we'll find a time that works.

Serving
The Kansas City metro — Missouri & Kansas

Lee's Summit, Kansas City, Independence, Blue Springs, Overland Park & the surrounding counties — Jackson, Cass, Clay & Johnson.

By calling or texting the number above, you will be connected with a licensed insurance agent.

This website serves as an invitation for you to inquire about further information regarding Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D. Your request for information will be routed to a licensed insurance agent who can provide you with further information about the insurance plans available in your area. Submission of your contact information constitutes permission for a licensed agent to contact you with further information, including complete details on the cost and coverage of these plans.

Free · No obligation · No pressure · I never sell your information.

Thanks — I'll be in touch shortly.