01 · Medicare

Medicare, explained before it's sold to you.

There are real decisions here, and most of them are easier than the mail makes them look. This page explains how the pieces fit together. When you want to see what’s actually available where you live, we’ll send you a comparison — no call required.

Licensed in Nevada, California, Texas, Hawaii and Utah.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

02 · Where you are

Three situations, three different answers.

Turning 65

You're turning 65

Your Initial Enrollment Period runs seven months — three before your birthday month, the month itself, and three after. Enrolling in the first three means coverage starts on time. Waiting can mean a delay, and in some cases a penalty that follows you.

Already enrolled

You're already enrolled

Plans change every year — networks, formularies, and costs. The plan that fit last year may not this year. Annual Enrollment runs October 15 to December 7, and reviewing is free whether or not you change anything.

Leaving a job

You're losing employer coverage

This one is time-sensitive and the rules are specific. Working past 65 may have delayed your Part B on purpose — that’s allowed, and it’s why Part A and Part B can have different effective dates. Leaving that coverage opens a Special Enrollment Period.

03 · The structure

Two paths, not forty.

The volume of mail suggests an overwhelming number of choices. Structurally there are two, and once you’ve picked a path the rest narrows quickly.

Neither path is better. They trade off differently — predictability against flexibility, monthly cost against cost when you use care, freedom of provider against a network. Which trade suits you depends on your doctors, your prescriptions, and how you like to use care.

Path one

Original Medicare, plus

Part A and Part B from the federal government, usually paired with a Medigap policy to cover what they don’t, and a separate Part D plan for prescriptions. More pieces, more predictable, generally any provider who accepts Medicare.

Path two

Medicare Advantage

One plan from a private carrier that replaces how you receive your Part A and Part B benefits, usually with prescription coverage built in. Fewer pieces, network-based, with an annual limit on what you can spend out of pocket.

Then the specifics. Which plans exist depends entirely on your county. That’s the part we can’t usefully generalize on a webpage — and the part the comparison answers.

04 · How we're paid

We don't earn more for steering you.

Carriers pay broadly similar commissions, and the amounts are set by federal rule rather than negotiated plan by plan. We’re independent, so there’s no quota and no house plan.

You’ll notice this page names no carriers and quotes no premiums or benefits. That’s deliberate. Those numbers are specific to your county and change annually, and a webpage is the wrong place to imply otherwise.

05 · What happens at an appointment

A Scope of Appointment first. It doesn't lock you in.

Before we talk Medicare Advantage or Part D in a personal appointment — in person, on the phone, or on a video call — federal rules require a short written Scope of Appointment. It lists the product types you asked to discuss. It does not enroll you in anything, and it does not obligate you to buy.

We agree on that scope before the appointment starts. There is no required waiting period after you sign it. If you later want to talk about a different type of coverage, we document that separately. We will not call you about this unless you ask us to.

06 · Next step

See what's actually available where you live.

What you’ll get: a link to a licensed comparison tool showing every plan we’re appointed for in your county — Advantage, Supplement, and Part D, side by side, with your doctors and prescriptions checked if you tell us them. Emailed within one business day. You will not get a phone call unless you ask for one.

Tell us your state, county and situation. You can look through the comparison on your own time, and talk to us only if you want to.

702-627-2605

By calling the number above, you will be connected to a licensed insurance agent.