Medicare questions, plainly answered.

Medicare is the U.S. federal health insurance program primarily for people age 65 and older, and for some younger individuals with qualifying conditions. It includes Part A (hospital), Part B (medical), Part C (Medicare Advantage), and Part D (prescription drugs).

Most people become eligible three months before the month they turn 65. Your Initial Enrollment Period is a 7-month window around your 65th birthday. Enrolling on time is important — late enrollment may lead to lifelong penalties. We'll help you understand your exact deadlines.

Costs depend on the parts you enroll in and the plan you choose. Part A is premium-free for most people who worked and paid Medicare taxes. Part B has a standard monthly premium set by CMS each year. Medicare Advantage, Supplement, and Part D plans have their own premiums, copays, and deductibles — we'll compare the real out-of-pocket costs for your situation.

Nothing. Our consultations, plan comparisons, and enrollment assistance are always free to you. There are no hidden fees and no obligation to enroll.

Yes. We represent multiple insurance organizations and can compare a range of Medicare Advantage, Supplement, and Prescription Drug plans available in your area based on your doctors, medications, and budget.

Absolutely. Many of our clients come to us for annual reviews to make sure their current plan still fits their needs and prescriptions. We can also help you switch during the Annual Election Period (Oct 15 – Dec 7).

A list of your current doctors, a list of your prescription medications with dosages, and — if you have them — your Medicare card and any current insurance cards. Nothing else is required; if you're missing something we'll work with what you have.