Providing answers
to common questions

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Our advice is always free.

If we help you enroll in a plan the insurance carrier pays a commission. Medicare requires each company to pay the same commission so there isn't an incentive to suggest one plan over another. We are truly trying to give you the best advice possible.

For people who are turning 65 or past 65 and retiring, we'll first help you understand the four parts of Medicare and then guide you through the enrollment process.

We'll help make the transition from your employer's insurance to Medicare so much easier.

If you're already on Medicare, you can change plans during the annual election period known as AEP which runs October 15th - December 7th. We help you compare plans during this time, so you'll always have confidence knowing you're in the right plan each year.

We can meet at our office, at your job, in your home, virtually via Zoom, or simply over the phone.

If we meet in-person, we'll follow all public health guidelines and recommendations.

We teach Medicare 101 classes at our office or on-site at companies throughout Alabama. Many HR managers and employees alike have found the classes very helpful to learn the basics of Medicare and how to avoid penalties.

If you’re turning 65 years of age, you have a 7-month window to enroll in Medicare. It's also when our team can really help you understand your options. However, if you are still working, you may not want or need to enroll. Deciding when to enroll and what to enroll in are our two most asked questions, and our team can help you make an informed decision.

Many people think they’ll face penalties if they don’t sign up for Medicare at 65. That can be true, but not always. You can postpone enrollment beyond age 65 if you or your spouse are still working and you have health insurance under an employer plan.

AEP (or Annual Enrollment Period) runs from Oct. 15 through Dec. 7. If you are already enrolled in Medicare, it’s the time of the year you can make changes to your plan for the upcoming year.

An ANOC Letter (or Annual Notice of Change) is what you get from your insurance plan in late September that tells the changes for the upcoming year. If a person needs to make changes, they can use AEP to make those changes.

There are so many advertisements and plans available that it’s becoming almost impossible to sort everything out on your own. A good broker will help you see the positives and negatives of the plans and will work to find the best solution for their client and not the insurance company.