Four decisions, one phone call. We help you sort Original Medicare, Supplement, Advantage, and Part D — without flipping you to a different commission-paying carrier every six months.
Pairs with Original Medicare. Any doctor that accepts Medicare. Very low out-of-pocket. Higher monthly premium. Best for snowbirds, frequent travelers, and anyone who wants zero claim arguments.
Replaces Original Medicare with a private plan. Often $0 premium, includes prescriptions, sometimes dental/vision/hearing. Network and prior-auth driven — more rules to follow but cheaper for healthy beneficiaries.
We compare both for you, with your specific doctors and prescriptions plugged in — not the version on TV.
Seven months around your 65th birthday — three before, your birth month, three after. This is the no-penalty window.
Oct 15 – Dec 7 every year. You can switch Advantage plans or move between Advantage and Original Medicare + Supplement.
Jan 1 – Mar 31. If you're already on Advantage, you can switch one more time. Limited move set.
Moving, losing employer coverage, or other qualifying life events open a special enrollment window. Call us — we'll confirm eligibility.