We Care Medicare
Simplifying Medicare with Care
Clear, unbiased guidance from your local Medicare advocate.
Medicare Made Simple
Navigating the Medicare Maze can feel overwhelming and confusing. We make it easy.
Medicare Part A
Hospital CoverageHelps cover inpatient hospital stays, skilled nursing care, hospice, and some home health services.
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- Inpatient hospital stays
- Skilled nursing facilities
- Hospice care
- Limited home health care
Good to KnowPart A helps cover hospitalization costs, but it does not cover everything. Deductibles and additional costs may still apply.
Medicare Part B
Medical CoverageHelps cover doctors, outpatient care, preventative services, lab work, and medical equipment.
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- Doctor visits
- Preventative screenings
- Clinical lab services
- Durable medical equipment
- Outpatient care
Good to KnowPart B works alongside Part A and plays a major role in your overall healthcare coverage.
Medicare Part C
Medicare Advantage PlansAn all-in-one alternative to Original Medicare that often includes hospital, medical, and prescription drug coverage.
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- Dental
- Vision
- Hearing
- Gym memberships
- Over-the-counter benefits
- Provider networks may apply
- Referrals or prior authorizations may be required
- Plans can vary by county and may change annually
- HMO Plans
- PPO Plans
- Special Needs Plans (SNPs)
Medicare Part D
Prescription Drug Coverage
Helps cover the cost of prescription medications through private insurance plans approved by Medicare.
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What Part D CoversPart D helps reduce prescription medication costs and protects against higher drug expenses over time.
What to KnowEach plan has its own list of covered medications called a formulary. Drug costs are organized into pricing tiers.
2025 UpdateThe Medicare “Donut Hole” is being eliminated, and Medicare beneficiaries now have a $2,000 annual cap on out-of-pocket prescription drug costs.
Important ReminderDelaying enrollment in Part D without credible prescription coverage can result in lifelong penalties.
Two Clear Paths to Medicare
Original Medicare + Supplement + Prescription Drug Plan
What You Get...
✅ Medicare Part A (Hospital)
✅ Medicare Part B (Medical)
✅ Medicare Supplement (Medigap)
✅ Prescription Drug Plan (Part D)
What you carry:
💳 3 cards in your wallet (Medicare Card, Supplemental Card, Prescription Drug Plan Card)
Flexibility:
✅ See any doctor who accepts Medicare
✅ Nationwide coverage
Considerations:
💰 Higher monthly premiums
💊 You must purchase a separate drug plan
Medicare Advantage Plan
What You Get...
What you get:
✅ All-in-one coverage (Parts A, B, & usually D)
✅ Integrated Drug Plan
✅ Extra benefits (vision, dental, hearing, gym)
What you carry:
💳 1 card in your wallet
Flexibility:
🔐 Must stay within the plan’s network (HMO/PPO rules)
Considerations:
🪙 Lower monthly premiums
✍️ Referrals may be required
Not sure which path is right for you?
Your Partner for Medicare and Retirement Resources.
Planning for retirement is about more than just Medicare. It’s about protecting your health, safeguarding your savings, and creating the lifestyle you want for the years ahead. Julianne looks at the full picture, helping you feel confident and secure at every stage of retirement.
From building financial safety nets and preserving your family’s legacy to preparing for future care needs, you’ll have more than an insurance broker. You’ll have a partner who truly cares about you.
Why Choose We Care Medicare?
At We Care Medicare, trust comes first. With access to the nation’s most respected insurance and retirement companies, Julianne offers unbiased recommendations tailored to your unique needs. She takes the time to explain every option in simple terms, so you feel confident when making decisions about your health and future.
Trusted Companies We Represent
We Care Medicare is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.
Meet Julianne
Julianne Dickey is more than a licensed Medicare insurance agent serving San Luis Obispo County. She’s a listener, a guide, and a true partner in your retirement journey. Julianne specializes in simplifying Medicare and creating personalized plans that fit your health and financial needs. Her approach is rooted in compassion, inspired by her mother’s wisdom:
“I don’t collect stamps, I collect people.”
Hear From the People We’ve Helped
Eliot D.
Morro Bay, Ca
"I cannot thank Julianne enough for rescuing me from the drudgery of redoing my health insurance plans. Her kindness, eternal availability, total expertise (impressive!), compassion, and good humor made what I considered an impossible task seem absolutely effortless. Make no mistake... If there is an Health Care Insurance Planner Hall of Fame, you are in it. :-))"
Gary and Nancy K
Los Osos, Ca
"Julianne is an excellent representative offering great personalized service. She's handled our Medicare Insurance for approximately 10 years and we've never had an issue. When an issue has come up, she's handled it quickly and efficiently. I recommend her strongly!"
Kirk E.
Nipomo, CA
"Let me tell you about Julianne. She was working at my local grocery store at a Medicare booth and changed my life for the better. She had all the answers to the many Medicare questions I had, and was able to break down all the confusing facts into something I could understand. Julianne always had my needs and wellbeing at the forefront of the process, which is increasingly complex with each passing year. A consummate professional in every way, with extreme attention to detail and her ongoing education in the field is where she really shines. The bottom line is she is a professional who is also a very nice person, and this is why I will continue to work with her for the for foreseeable future. You should too!"
Don and Cindy D.
Arroyo Grande, Ca
"Medicare, Medicare Supplements, and Rx Coverage choices are overwhelming! Each year we consult with Julianne and she helps us choose the best and most cost-effective plans for the coming year. She really knows the medical insurance business. She has helped us find plans we didn’t even know existed and saved us so much money and grief! She also helped us choose Life Insurance. We would be lost without her!"
Samantha B.
Pismo Beach, Ca
"Julianne has been my agent for the last 10 years. Each year she has helped me navigate the maze of Medicare plans and together we choose the best plan for my needs. She is available by text or phone call right away to answer any questionsI may have, big or small. Because of her knowledge, experience, and great customer service, I trust that together we're making the right decisions."