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Headwaters Health and Wealth LLC

This St. Patrick’s Day, Don’t Leave Your Medicare to Luck!

March 20, 20251 min read

Applying for Medicare on your own can feel like hunting for a four-leaf clover—confusing, frustrating, and sometimes just plain overwhelming. But you don’t need luck to get it right—I’m here to help!

Medicare is complicated, and here’s why:

  Too Many Choices – Part A, Part B, Part C, Part D… Original Medicare or Medicare Advantage? Add a Medigap plan or not? What about dental? It’s a lot to sort through.

  Tricky Deadlines – Enroll too late, and you could face penalties or coverage gaps. Changes are limited to certain times.

  Surprise Costs – Premiums, deductibles, and co-pays can add up, especially for higher-income earners.

  Other Insurance Confusion – If you’re still working or have retiree coverage, figuring out how Medicare fits in can be a headache.

The good news? You don’t have to navigate this alone. My guidance is always free—just give me a call at (303) 887-8584, and let’s find the Medicare fit for you.

This St. Patrick’s Day, let’s take the guesswork out of Medicare—no lucky charms required!

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Publisher's Letter

Dawa Sherpa, Publisher

The holiday season is upon us. A time to express appreciation for the people, experiences, and opportunities that enrich our lives. As we take a moment to give thanks and celebrate with our families and our communities – let’s not forget the uniquely valuable small, local businesses that are at the heart of our communities.

In today’s fast-paced world, shopping has never been more convenient with online giants and big-box stores offering rapid delivery and low prices. But, unlike mass retailers, small businesses and local shop owners offer personal relationships, leading to better service and customized recommendations. Whether it’s a handmade candle or boutique clothing, these businesses offer a personal touch that can’t be replicated.


The holiday season is a crucial time for small businesses. Events like “Small Business Saturday” remind us to support the shops that keep our communities vibrant. But it’s important to continue that support throughout the year to ensure these businesses thrive.

This holiday season, when shopping for a gift, a service, or just a little treat for yourself, consider visiting our local businesses first. Every purchase makes a meaningful difference, helping build a stronger, more connected community for everyone.

Happy Thanksgiving,

Dawa

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