Medicare made simple, by someone who sits down with you.

Nothing. There is no fee, no consultation charge and no cost of any kind to the people we advise. We are compensated by the carriers whose plans we place, and that compensation is already built into the filed rate. Your premium is identical whether you enrol through us, through another agent, or directly with the carrier.

We are independent in the sense that matters: we are not employed by, owned by or captive to any one carrier, and we are not paid more to place one carrier over another on the same line of business. We will also tell you when the right answer is the plan you already have, which costs us the sale.

Your Initial Enrollment Period runs seven months: the three months before the month you turn 65, that month, and the three months after. If you were born on the first of a month, the whole window shifts a month earlier. Our enrollment calculator works out your dates and shows what each month does to your start date.

If you have active employer coverage through an employer with 20 or more employees, you can usually delay Part B without penalty and enrol later through a Special Enrollment Period. With fewer than 20 employees, Medicare generally pays first and delaying is usually a mistake. COBRA and retiree coverage do not count as active employer coverage for this purpose.

Almost always yes, unless you have other creditable drug coverage such as an active employer plan or VA benefits. Going 63 days or more without creditable coverage after eligibility triggers a permanent late-enrolment penalty that is recalculated every year.

Two lists. Every doctor and facility you use, and every prescription with its strength, dose and frequency. Also your Medicare card if you have one, and any letters from an employer about creditable coverage. Those two lists decide most of the answer.