Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans — explained without jargon and shopped across every carrier in your county. Most clients keep us for life.
Medicare carriers we work with
Medicare has Parts A, B, C, and D — plus Medigap, plus extra benefits that vary by ZIP code. Our job is to translate it and find the plan that fits your doctors, prescriptions, and budget.
Doctors, prescriptions, hospitals, budget, and what mattered (or annoyed you) on your current plan.
Advantage and Supplement plans available in your county, ranked by actual cost for your prescriptions and doctors.
We handle enrollment. Then we're your contact for claims, denied prescriptions, and the AEP review every fall.
A 1-page printable list of exactly what to do 6 months before and 6 months after you turn 65 — written by our 20-year Medicare specialist.
Get the Free ChecklistNo. Our services are free to you. We're paid by the carriers when you enroll — premiums are identical whether you use an agent or enroll directly. The difference is having someone to call when things get complicated.
It depends on how you use healthcare. Advantage plans bundle everything (often $0 premium) but have networks. Medigap costs more monthly but lets you see any doctor that accepts Medicare with little to no out-of-pocket. We'll show you the actual annual cost both ways based on your real usage.
Annual Enrollment Period (AEP) runs October 15 – December 7 every year. There's also a Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31) and Special Enrollment Periods triggered by life events like moving or losing other coverage.
We check this before recommending anything. If your drug isn't on a plan's formulary, we either find a plan that covers it or check for therapeutic alternatives with your doctor. If you're already on a plan and a drug gets dropped, we help with formulary exceptions and appeals.
Yes — significantly. Extra Help (Low Income Subsidy) can dramatically reduce or eliminate prescription costs. There are also Dual Special Needs Plans (D-SNPs) for those on both Medicare and Medicaid that bring substantial extra benefits. We'll check your eligibility.
Free plan review, no obligation. We'll show you what you're paying for — and what you don't need to pay for.
