Confused About Medicare?
Let's Fix That in 15 Minutes.
Watch quick videos on your exact situation, then schedule a free call with Jim Lambert, RSSA — no pressure, just clear answers.
Choose Your Medicare Journey
Select the topic that best matches your situation. Each section contains short videos designed to help you
understand your Medicare and retirement options.
New to Medicare
Learn the basics of Medicare, understand enrollment, and start with confidence.
Already Have Medicare
Review your current coverage and stay informed about available options.
Medicare Supplement Plans
Compare Plan G, Plan N, High Deductible Plan G, and Part D prescription coverage.
Wills, Trusts & Estate Planning
Learn how wills and trusts can help protect your family and your legacy.
Medicare Savings Account
Learn how Medicare MSA plans work and decide if they’re right for you.
Protect What You've Built
Learn about supplemental protection, Medicare scam prevention, and Social Security planning for retirement.
Meet Jim Lambert
Registered Social Security Analyst
Certified Financial Fiduciary®
Jim Lambert, founder of First Choice Consulting, LLC, has been helping people create retirement income strategies since 1999.
His work focuses on helping clients understand their Medicare options, protect their assets, and make informed decisions as they prepare for retirement.
Born and raised in Milford, Connecticut, Jim brings a practical, personal approach to retirement education. Whether someone is new to Medicare, reviewing their current coverage, or thinking about Social Security timing, Jim’s goal is to make the process easier to understand.
Have You Been Thinking About
Creating a Trust?
We created an interactive video that help you understand the pros and cons of trusts, making complex estate planning concepts simple and easy to follow.
Frequently Asked Questions
Have questions about Medicare? You’re not alone. Here are answers to some of the most common questions we hear.
If you don’t see your question below, we’re happy to help.
Why is my Medicare plan being discontinued for 2027?
Several carriers, including ConnectiCare and Care Partners, are exiting parts of the Connecticut market for 2027. If your plan is affected, you’ll get a formal non-renewal notice from your carrier this fall, and you’ll need to pick a new plan during the Medicare Annual Enrollment Period (October 15 to December 7).
What should I do if my Medicare Advantage plan is ending?
Don’t wait for the notice to figure out your options. Call your agent as soon as you hear anything, or before AEP starts if you can. Compare Medicare Advantage, Medicare Supplement, and Medicare Savings Account (MSA) options based on your doctors, prescriptions, and budget.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage bundles hospital, medical, and often drug coverage into one plan with a network and set copays. Medicare Supplement pairs with Original Medicare and lets you see any doctor who accepts Medicare, usually for a higher premium but fewer surprise costs.
Why are Medicare plans covering less in 2027?
Carriers are trimming extra benefits and tightening provider networks to manage rising costs, which is why more people are considering supplemental protection like cancer, heart attack/stroke, or hospital indemnity plans.
What is a Medicare Medical Savings Account (MSA) plan?
An MSA plan pairs a high-deductible Medicare Advantage plan with a savings account Medicare funds each year. You control the account and use it tax-free for medical expenses until you meet your deductible, after which the plan covers your care.
Do I need a trust if I have Medicare or retirement questions?
Not everyone needs a trust, but many people benefit from having one, along with basic medical directives, as part of a full retirement plan. Without one, families can end up in unnecessary conflict or probate delays.
Who is Jim Lambert and what does First Choice Consulting LLC do?
Jim Lambert has worked in retirement and Medicare planning since 1999. He holds the RSSA and Certified Financial Fiduciary (CFF) designations, and his practice, First Choice Consulting LLC, focuses on Medicare planning, Social Security timing, retirement income, and estate planning for clients in Connecticut.
How do I schedule an appointment with Jim?
You can book directly at its4yourretirement.com, or reach out through MedicareJim.com.