Medicare Specialist · Raleigh, NC
Medicare guidance that actually makes sense.
Forty years of experience helping Triangle families choose the right coverage – without the 1-800 runaround.
A human approach
Medicare is complicated. Your choices don’t have to be.
When you call, you’ll speak with Parham directly — not a call center, not a rotating assistant. He’ll listen first, explain your options in plain English, and help you match a plan to your health needs, your doctors, and your prescriptions.
No pressure, no jargon, no wasted time.
WHAT PARHAM HELPS WITH
Two Paths. One Conversation.
-
Medicare Advantage
An all-in-one alternative to Original Medicare, often with extras like dental, vision, and prescription coverage bundled in. Lower monthly cost, network-based care.
Learn more -
Medicare Supplement
Also called Medigap. Pairs with Original Medicare to cover what Parts A and B don't — deductibles, copays, and coinsurance. Predictable costs, broad doctor access.
Learn more
Common Questions
What people ask before signing up.
-
What’s the difference between Medicare Supplement and Medicare Advantage?
They’re two different ways to fill the gaps in Original Medicare, and the right one depends on how you want to use your coverage.
A Medicare Supplement (also called Medigap) works alongside Original Medicare to pay for the deductibles, copays, and coinsurance that Parts A and B don’t cover. You can see any doctor who accepts Medicare — no networks. Premiums are higher, but out-of-pocket costs are predictable.
A Medicare Advantage plan replaces Original Medicare with an all-in-one plan that often bundles in prescription, dental, and vision coverage. Premiums are typically lower, but you’ll generally need to stay within a network of doctors.
The right answer depends on your health, your doctors, your prescriptions, and your tolerance for surprises. That’s the conversation we’ll have on the call. -
Do you charge a fee to help me choose a plan?
No. There’s no cost to you for working with Parham — you’ll pay the same premium for your plan whether you sign up directly with the carrier or through an agent. Independent agents are paid a commission by the insurance company, which means you get personalized guidance at no extra charge.
In Their Words
Why Families Stay With Parham.
-
Parham made the Medicare planning process easy. He explained everything clearly, answered every question, and never once made me feel rushed.
-
We spent months trying to understand Medicare on our own before a friend recommended Parham. An hour on the phone and we finally felt like we knew what we were signing up for.
-
I've been a client of Parham's for over fifteen years. He's the first call I make any time something changes with my coverage. Honest, patient, and always available.
Call Parham Today
Whether you're turning 65 next year, helping a parent sort out their options, or already on Medicare and wondering if you've got the right plan — Parham will walk you through it. No cost, no obligation.