Medicare Guidance Rooted in Fiduciary Integrity
Strategic Healthcare Planning for Individuals, Families, and the Organizations that Serve Them
Navigating the ‘Alphabet Soup’ of Medicare shouldn’t feel like a sales presentation. At Wealth & Prosperity, we provide a Fiduciary-first approach to healthcare planning. Whether you are an individual turning 65 or an organization looking to empower your members, we lead with education, ensuring you understand the ‘why’ behind every choice.
As a Certified Financial Fiduciary®, my legal and ethical obligation is to your best interest, not a carrier’s commission.
Cynthia Moore, M.S., Certified Financial Fiduciary®
Personalized One-on-One Medicare Guide
While we proudly provide educational workshops for companies, churches, HOAs, nonprofits, professional associations, and community groups, our passion is helping individuals and families find the right plan for their unique situation.
We review your medications, doctors, lifestyle needs, and budget to ensure your Medicare coverage truly works for you.
Cynthia Moore is a licensed Life & Health insurance agent (VA & MD). Consultations are educational and personalized to your unique needs.
Medicare Supplements
Stable, predictable coverage that fills the gaps in Original Medicare. We help you evaluate options and use the Virginia Birthday to review pricing annually.
Medicare Advantage (Part C)
All-in-one plans that may include hospital, medical, drug, dental, and vision coverage. We verify your doctors and prescriptions are covered.
Prescription Drug Plans (Part D)
Stand-alone drug coverage to protect against high medication costs and the coverage gap (“Donut Hole”).
Dental & Vision Plans
Supplemental coverage to support complete wellness beyond standard Medicare benefits.
Virginia’s Medigap Birthday Rule (Effective July 1, 2025)
Virginia law now gives Medigap policyholders a 60-day window beginning on their birthday each year to switch to another Medigap policy with the same benefits — without being denied or charged more due to health conditions.
Example:
Margaret is 72 and pays $210/month for Plan G. Another company offers the same Plan G for $165/month. During her birthday window, she can switch — even with existing health conditions — because of the new law.
Turning 65? Your Medicare Journey Starts Here
The window around your 65th birthday is the most critical time for your healthcare future. You have a 7-month Initial Enrollment Period to sign up for Medicare without facing lifelong late-enrollment penalties. We help you navigate the ‘ABC & Ds’ of Medicare so you can transition with total confidence.
- 3 Months Before: Initial research and plan comparison.
- The Month of Your Birthday: Enrollment in Part A and Part B.
- 3 Months After: Finalizing your Supplement or Advantage choices.
Medicare Educational Workshops
We provide non-commercial, high-impact Medicare workshops for companies, churches, HOAs, nonprofits, professional associations, and community groups serving Virginia and Maryland. Our sessions are designed to inform, not pressure.
- Medicare 101 (Parts A, B, C & D)
- Understanding the Birthday Rule
- Avoiding Medicare Penalties
- Protecting Seniors from Fraud
Wealth & Prosperity Financial Services LLC is a licensed insurance agency in Virginia and Maryland. We do not offer every plan available in your area. Currently we represent multiple organizations which offer multiple products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. This firm is not connected with or endorsed by the U.S. government or the federal Medicare program.