What we do
Seven decisions, grouped by what they're actually for
Most people arrive with one question and leave having found two more attached to it. These pages are written to be read before you call — each one covers what the product does, who it suits, and where it falls short.
Medicare
Advantage, Supplement (Medigap) and Part D. The right answer depends on your doctors, your drugs and which enrollment window you are in — so we start there, not with a product.
Medicare Advantage
One card for everything — as long as your plan's network fits your life.
A Medicare Advantage plan replaces the way Original Medicare pays your bills. It bundles Part A, Part B and usually Part D into a single plan run by a private insurer, often with extras Original Medicare never covers. The trade is that your care runs through the plan's network and rules.
Book a Medicare reviewMedicare Supplement
Keep Original Medicare — and cap the bills it leaves you.
A Medicare Supplement, or Medigap, policy sits alongside Original Medicare and pays much of what Medicare does not: the deductibles, copays and coinsurance that otherwise have no ceiling. You keep any doctor that accepts Medicare, with no network.
Book a Medicare reviewMedicare Part D
The cheapest premium and the cheapest drug plan are rarely the same thing.
Part D is Medicare's prescription drug coverage. A standalone Part D plan pairs with Original Medicare or a supplement; Advantage plans usually build it in. The plan that costs you least depends far more on your specific drugs than on the monthly premium.
Book a drug-plan reviewHealth plans
ACA Marketplace coverage for people under 65 — with the premium-tax-credit math actually explained, so you see what you would really pay.
Supplemental coverage
Dental, vision and hearing, plus hospital indemnity — the plans that fill the gaps Medicare and many health plans quietly leave behind.
Dental, Vision & Hearing
The coverage Original Medicare simply doesn't include.
Original Medicare covers almost no routine dental, vision or hearing care — the cleanings, glasses and hearing aids that people actually use every year. A standalone dental, vision and hearing plan fills that gap directly.
Book a coverage reviewHospital Indemnity
Cash that lands with you — not the hospital — when you're admitted.
Hospital indemnity insurance pays a fixed cash benefit when you are hospitalized or have certain procedures. The money goes to you, to spend however you need — including on the copays and daily costs an Advantage plan can leave behind.
Book a coverage reviewRetirement income
Turning savings into income that does not run out — and understanding the surrender schedule before signing rather than after.
Questions
Before you get in touch
Do you charge for advice?
No. There is no fee to review your situation or compare options. Insurance carriers pay agent compensation when a policy is placed, and that does not change your premium.
Do I have to buy something?
No. A meaningful share of reviews end with 'what you have is fine, keep it'. That is a legitimate outcome and we will say so plainly when it applies.
Which of these should I start with?
Whichever has a deadline. Medicare windows close on fixed dates, Medigap's guaranteed-acceptance window happens once, and ACA Marketplace enrollment has its own annual window. Supplemental coverage and annuities can be reviewed any time.
Do you offer every plan and every carrier?
No agent does. We do not offer every plan available in your area, and the information we provide is limited to the plans we do offer. Where something we cannot access is clearly a better fit, we will tell you, and point you to Medicare.gov or 1-800-MEDICARE.
Not sure which of these applies to you?
That is the normal starting point. Tell us what prompted the search and we will work out together which decisions actually need making.