Question 1

Is your service actually free?

Accepted Answer

Yes — really. Carriers pay us when you enroll, and your plan cost is identical whether you use us or enroll direct.

Question 2

Do I have to sign up at 65?

Accepted Answer

Only if you don't have qualifying employer or union coverage. If you do, you can typically delay Part B without penalty.

Question 3

What's the difference between Advantage and Supplement?

Accepted Answer

Advantage bundles everything into one private plan (often with $0 premium and a network). Supplement (Medigap) pairs with Original Medicare, has a higher premium, and lets you see any Medicare doctor.

Question 4

Do I need Part D if I don't take medications?

Accepted Answer

In most cases, yes. Skipping when eligible without qualifying drug coverage triggers a lifetime late-enrollment penalty. There are very cheap 'just in case' plans.

Question 5

Can I change my plan later?

Accepted Answer

Yes. AEP (Oct 15 – Dec 7) is the main annual window. OEP (Jan 1 – Mar 31) allows one Advantage swap. Life events open Special Enrollment Periods.

Question 6

Do you work in my state?

Accepted Answer

We're licensed in all 50 states — and yes, that includes yours.

Question 7

Will you spam me with calls?

Accepted Answer

No. We call once to book your appointment and then only when you ask. We do not sell your info.

Question 8

What if I want to keep my current plan?

Accepted Answer

Perfect — we'll review it for free and confirm it's still your best fit. If it is, you keep it. No pressure.

Real questions. Real answers.

Ready to take command of your Medicare?