Miss the Medicare deadline and you pay 10% more. Every month. Forever.

A free 15-minute call with a licensed agent tells you exactly when your deadline is.

New to Medicare?Medicare Advantageor Medicare Supplement?

Which one is right for you?

A free 15-minute call with a licensed agent. No pressure, no pitch.

Same-day times available. No cost, no obligation.

Rather we call you? Want to talk now? Call (844) 467-6968

Licensed in 42 states · Independent — we work for you, not one carrier · You keep 100% of the decision · BBB Accredited Business

Seven months. That's the whole window.

Two paths. One is hard to undo.

AdvantageSupplement

Monthly premiumOften lowHigher, but predictable

DoctorsUsually a networkAny doctor who takes Medicare

Changing your mind laterCan mean health questionsOpen every fall

Six things nobody tells you before you turn 65

Most people learn these the expensive way.

10%

The Part B late penalty

For every year without Part B or other qualifying coverage. Added to your premium for life.

The drug plan late penalty

For every month without drug coverage. Also for life.

7mo

Your enrollment window

Three months before your 65th birthday month, the month itself, and three after. Then it closes.

6mo

Guaranteed Supplement acceptance

No insurer can deny you or charge more for your health, during this window only. It opens once.

Advantage plans in the average county

Over 50 in more than a quarter of the country. Most people take whichever one called first.

2yrs

How far back the income surcharge looks

Higher-income surcharges use your tax return from two years ago. The letter arrives as a surprise.

Plan counts: KFF, 2026 Medicare Advantage plan offerings.

Advantage or Supplement?

The mailers show you the extras. They leave out the tradeoffs.

Medicare Advantage

Medicare Supplementalso called Medigap

Monthly premium

Often low

Higher, but predictable

When you use care

Copays and coinsurance, up to a yearly limit

Little to nothing, depending on the plan letter

Doctors

Usually a local network; some plans need referrals

Any doctor in the U.S. who takes Medicare

Dental, vision, hearing

Often included

Not included; available separately

Prescriptions

Usually built in

A separate drug plan

Changing your mind later

Switching to a Supplement later can mean health questions, or a denial, in most states

You can move to Advantage during open enrollment each fall

Neither one is right for everyone. The right one depends on your doctors, your prescriptions, your budget, and where you spend your time.

Find out which fits me

Pick a time that works for you

Fifteen minutes with a licensed agent. You’ll get a text and email confirmation.

Book my 15 minutes

Have your medication list and your doctors’ names handy — we’ll check them against your options on the call.

Rather we call you?

Leave your number and a licensed agent will call you back — usually within minutes.

First name

Enter your first name.

Last name

Enter your last name.

Phone number

Enter a 10-digit phone number.

State

Choose your state.

When do you turn 65?

Choose when you turn 65.

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