What we do
We read the small print so you can read one page.
Licensed in 38 states, appointed with 31 carriers, paid the same by all of them. That last part is the only reason the rest of it is worth anything.
Plan types
Three products. One decision.
Almost everyone ends up with two of these — a way of receiving Medicare, and a way of paying for drugs. We work on all three.
- Medicare Advantage Network checks against your own doctor list, formulary checks against your own prescriptions, MOOP comparison and Star Ratings.
- Medicare Supplement Plan letter selection across G, N, K and L, then carrier pricing — including rate increase history, which nobody volunteers.
- Prescription drug plans A drug-by-drug run against every plan in your county, at your actual pharmacy, priced over a full year.
How a review runs
Four steps, about ninety minutes in total.
Spread over two conversations, usually a week apart, so there is time to think in the middle. Nobody makes a good decision inside a single phone call and we do not pretend otherwise.
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You tell us four things
Doctors, prescriptions, ZIP code and dates. Ten minutes on the phone or in an email.
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We do the arithmetic
Every plan available in your county, priced across a full year on your actual usage — not on a headline premium.
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We show you the shortlist
Usually three plans, with the case against each one stated as clearly as the case for it. In writing.
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You decide, or you do not
If you want to enrol we handle the paperwork. If you want to think about it for a month, we make a note and call you when you asked.
Tools
Or work it out yourself.
Everything below is free, needs no email address and sends nothing anywhere. If you never call us, that is a perfectly good outcome.
- Eligibility calculator Enter a birthday, get the exact seven-month Initial Enrollment Period, including the first-of-the-month rule.
- Enrollment register Every window, what it lets you change, when the change takes effect, and which one is open today.
- Side-by-side comparison Seven questions answered honestly for Original Medicare, Advantage and Original plus a Supplement.
- Coverage checker Search Medicare’s own National and Local Coverage Determinations, live from CMS, filtered to the contractors that serve your state. Retired policies are flagged.
- Guided plan review Seven steps: your enrolment window, your county, your prescriptions, and the Advantage-versus-Supplement decision with the trade-offs both ways.
Boundaries
What we do not do.
A shorter list than the first one, and more useful.
- We do not cold call. If your phone rings and it is us, it is because you asked, at a time you chose.
- We do not sell every plan. No agency does. Where our shelf ends we say so and point you at Medicare.gov or 1-800-MEDICARE.
- We do not give tax or legal advice. IRMAA appeals, HSA timing and estate questions get referred to someone qualified.
- We do not run countdown timers. The dates are the dates. You are being pressured enough already.
- We do not sell your details. Not to a lead broker, not to a carrier, not to anyone.
Nobody should choose this in a hurry.
Book a call, or just ring us. There is no script, no quota and no cost to you — advisor commissions are set by CMS and are the same whichever plan you choose.