The Initial Enrollment Period starts 3 months before you turn 65 and ends 3 months after. The Annual Election Period runs from October 15 to December 7 each year. Missing these can result in lifetime late enrollment penalties.

No, our advisory services are completely free to you. We are compensated directly by the insurance carriers when we help you find and enroll in the right plan. You pay the exact same premium whether you use our expertise or try to enroll directly.

Absolutely! While our home base is in Reno, NV, we are fully licensed and actively serve clients across CA, AZ, OR, WA, TX, GA, FL, OH, and NC. We understand the specific regional coverage rules in each of these states.

Medicare Advantage (Part C) acts as an all-in-one alternative, bundling your Part A, B, and usually Part D drug benefits into one private plan. Medigap (Medicare Supplement) works alongside Original Medicare to help cover out-of-pocket costs like copayments, coinsurance, and deductibles.

We recommend reviewing your coverage annually, especially leading up to the Medicare Annual Election Period. It is also critical to review your policies whenever you experience a major life event, such as retiring, moving to a new state, or facing significant health changes.