Most people should start the process about three months before they turn 65, since your Initial Enrollment Period runs for seven months total — three months before your birthday month, your birthday month, and three months after. If you miss this window, you could face gaps in coverage or a late enrollment penalty. If you're already past 65 and still covered by an employer plan, there are different rules and timelines that apply, so it's worth talking to us before you assume you've missed your chance.

There's no cost to you for switching plans through us, and in many cases switching can actually lower what you're paying. That said, the plan itself may have different premiums, copays, or drug costs than what you have now, so we'll always walk you through the real numbers before you make any changes. You'll never be switched into a new plan without fully understanding what it costs and what it covers.

No — we offer guidance at no charge. We're licensed and paid directly by the insurance carriers, not by our clients, so there's no cost or hidden fee for meeting with us, comparing plans, or getting help enrolling. You pay the same premium whether you enroll directly with a carrier or through us, so there's no downside to getting a second set of eyes on your options.

Absolutely. A lot of our clients already have Medicare and just want a second opinion, especially if their premiums went up, their prescriptions changed, or their doctor is no longer in-network. We'll review your current plan against what else is available in your area during your enrollment window and let you know honestly whether staying put or switching makes more sense for you.