Answers to the Questions We Hear Most

No. Our guidance is provided at no cost to you. Agents may be compensated by the insurance carriers whose plans they help you compare and enroll in.

No. We are an independent insurance agency and are not connected with or endorsed by the federal Medicare program.

No. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer where you live.

It helps to have your current doctors, pharmacies, prescriptions, and a general sense of your budget and priorities. You don't need anything finalized — we can also help you gather this.

Yes. We offer guidance by phone or by online screen-share appointment, whichever you prefer.

Yes, that's part of a typical conversation — we review available plans against the doctors and pharmacies you tell us about.

Please don't submit Social Security numbers, Medicare ID numbers, medical records, or payment information through our contact form. A licensed agent will collect anything sensitive securely, by phone or during your appointment.

Medicare Advantage (Part C) bundles Original Medicare with extra benefits through a private plan, usually with a network. Medigap works alongside Original Medicare to help pay remaining costs and generally does not restrict you to a network. You cannot have both at once.

Part D is prescription drug coverage, either as a standalone plan alongside Original Medicare or bundled into many Medicare Advantage plans. Learn more.

Dual-eligible plans are designed for people who qualify for both Medicare and Medicaid. Learn more.

It depends on the size of your employer and how your current coverage coordinates with Medicare. This is worth reviewing individually before you decide whether to enroll or delay.

Common windows include your Initial Enrollment Period around your 65th birthday, the Annual Enrollment Period (October 15–December 7), and the Medicare Advantage Open Enrollment Period (January 1–March 31). Special Enrollment Periods may apply in certain situations, such as losing other coverage.

Depending on the situation, you may face a late enrollment penalty or need to wait for the next available enrollment period. It's worth talking with an agent as soon as you realize a deadline may have passed.

Generally, plan changes happen during specific enrollment periods, though certain life events can qualify you for a Special Enrollment Period outside those windows.

Yes — we also help with individual and family health insurance, dental and vision, critical illness and cancer coverage, hospital indemnity plans, and whole and term life insurance.

It's coverage that pays a cash benefit toward the cost of a hospital stay, which can help offset out-of-pocket costs from other coverage. Learn more.

Yes, we can help you understand Medicaid eligibility and how it may work alongside Medicare. Learn more.

In many cases, yes — VA and TRICARE benefits can coordinate with Medicare, though the details depend on your individual situation. Learn more on our veterans page.

Yes — dual-eligible (D-SNP) plans are a specific type of Medicare Advantage plan designed for people who qualify for both Medicare and Medicaid, often with additional coordinated benefits.

We're Medicare-licensed in 30 states and Washington, D.C., with offices in Nevada, Illinois, and Mississippi. See our locations page for details.

Independent agents are generally compensated by the insurance carriers whose plans they sell, not by the consumer directly. This lets us provide guidance at no additional cost to you.

It means we aren't employed by a single insurance company. We represent multiple carriers, so we can compare options across the plans we're appointed to offer rather than promoting only one company's products.