Medicare
Medicare doesn't have to be confusing.
You'll get a mailbox full of ads and a hundred choices. We cut it down to the two or three that actually fit you — and explain each one until it makes sense.
Our help costs you nothing. We're paid by the carriers — the same amount either way — so the plan we recommend is the one that fits you.
Where are you right now?
"I'm turning 65."
You have a 7-month window around your birthday to enroll. Miss parts of it and you can pay penalties for life. We'll map your dates and handle the steps.
"I'm already on Medicare."
Plans change every year — premiums, doctor networks, drug lists. Every fall we re-check whether your plan is still the right one. Most years it is. When it isn't, we move you.
"I'm helping my mom or dad."
Good on you. We do three-way calls, explain everything twice if needed, and never rush a decision. Bring their medication list — we'll do the rest.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
All the Medicare enrollment windowsWhat to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
The one choice that shapes everything
Original Medicare covers a lot — but not everything. The big fork in the road is how you fill the gap:
Medicare Advantage
One bundled plan, usually low or $0 premium
Often includes dental and vision
Trade-off: you use the plan's network of doctors
Medicare Supplement (Medigap)
Pairs with Original Medicare
Higher monthly premium
Nearly any doctor who takes Medicare, anywhere in the country, with little paperwork
Neither one is "the good one." The right answer depends on your doctors, your prescriptions, your travel, and your budget. That's the conversation we have.
How working with us goes
We talk about your doctors, your medications, and how you use care.
That list drives everything else.
We run your list against the plans in your area.
Every major carrier, not one company's menu.
You see 2–3 real options side by side.
With the trade-offs spelled out clearly.
We enroll you and stay your contact.
A billing issue in March? You call us, not a hotline.
The Medicare Decision Guide
A free 4-step framework for picking the right plan — yours to keep, no strings.
Common questions
How do you get paid?+
By the insurance carrier when you enroll — at rates set by Medicare's rules, essentially the same across plans. You never pay us, and your premium is identical with or without our help. So you may as well have the help.
Do I have to redo this every year?+
Your plan renews on its own. But plans change each year, so we review yours every fall during the annual enrollment window. A quick call usually settles it.
What if I'm still working at 65?+
You may be able to delay parts of Medicare without penalty — it depends on your employer coverage. This is one of the most common places people get burned. Ask us before you decide.
I moved to another state. Does my plan follow me?+
Advantage plans are tied to where you live; supplements travel better. Either way, a move opens a special window to make changes. We work with clients across the country, so in most states we can stay your team when you relocate.
When is Medicare open enrollment?+
The Annual Enrollment Period runs October 15 to December 7 every year. During it you can join, switch, or drop a Medicare Advantage or drug plan. Changes start January 1.
What should I review before December 7?+
Four things: that your drugs are still on the plan's drug list, that your doctors are still in network, your total yearly cost (not just the premium), and any extra benefits that changed. Your plan's Annual Notice of Change shows what is different.
What if I miss December 7?+
Your current plan usually renews for the new year. If you are on a Medicare Advantage plan, you get one more chance to switch plans or go back to Original Medicare from January 1 to March 31. Some life events, like a move, open other windows.
Keep learning
Medicare help where you live
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Bring us your medication list. We'll do the rest.
One conversation and you'll know exactly where you stand — your dates, your options, and what each one really costs.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.