Medicare, explained by a person —
not a phone tree.
Compare Medicare Advantage, Supplement and Part D plans from the carriers that actually serve your ZIP code. One licensed advisor, plain English, and a straight answer about what your doctors and prescriptions will cost.
- Keep your own doctors — we check the network before you switch
- Some counties have $0 premium plan options — we'll check yours
- Dental, vision, hearing and OTC benefits compared side by side
Review Medicare plans
available in your area
Plan availability changes by county — and by year. Here's what a licensed advisor checks before recommending anything.
Find the right plan for you
Matched to your doctors, prescriptions and ZIP code — not a national average.
Personalised matchLicensed agents, real people
State-licensed advisors on the phone in minutes. No queue, no rotating script.
Licensed in all 50 statesLeading insurance carriers
Nationally recognised names, compared side by side against each other.
Aetna · Humana · Cigna & moreAffordable options
$0 premium plans exist in many counties. We'll tell you if yours is one of them.
No cost to comparePrescriptions priced first
Your exact medication list run against each plan's formulary, before you switch.
Formulary check includedThe right enrollment window
We confirm which period applies to you so nothing costs you a late penalty.
Avoid late penaltiesThree ways to cover
what Original Medicare leaves behind.
Parts A and B pay for a lot — but not everything. Deductibles, coinsurance, prescriptions, dental and hearing are usually on you. Here's what each option actually does, without the brochure language.
Medicare Advantage
One plan that replaces Original Medicare and usually folds in extras — often with a $0 monthly premium.
- Drug coverage built in on most plans
- Dental, vision, hearing and OTC allowances
- Yearly cap on what you can spend
Medicare Supplement
Sits alongside Original Medicare and pays the share you'd otherwise owe after Medicare pays its part.
- Any doctor who accepts Medicare — no networks
- Predictable costs, very few surprise bills
- Travels with you across all 50 states
Prescription drug plans
Stand-alone drug coverage for people on Original Medicare or a Supplement. Formularies differ a lot by plan.
- We price your exact medication list
- Preferred pharmacies near your address
- Avoid the Part D late enrollment penalty
Tell a licensed advisor your doctors, your prescriptions and your budget. They'll tell you which of the three makes sense — and which ones don't.
One call. No forms,
no waiting rooms, no runaround.
Most people are done in about fifteen minutes. You talk to one licensed advisor from start to finish — the same person who answers is the person who enrolls you.
Have these nearby
- Your red, white and blue Medicare card
- The doctors you want to keep
- Your prescriptions and dosages
- Your ZIP code and county
Don't have all of it? Call anyway — an advisor can look most of it up with you on the phone.
Tell us what you have now
Your ZIP code, your current coverage, the doctors you see and what you take. That's enough for an advisor to pull the plans that are actually available on your street.
See the real numbers side by side
Premium, deductible, copays, drug tiers and the yearly out-of-pocket cap — for your plans, not a national average. If your cardiologist isn't in a network, you'll hear it before you sign, not after.
Enroll on the phone, or think it over
Choose a plan and your advisor completes the enrollment with you on the call. Prefer to sleep on it? They'll email the comparison and follow up whenever you ask them to.
Four situations. One of them is yours.
What you should do next depends entirely on where you're standing right now. Pick the one that sounds like you.
Your window is seven months — and it opens before your birthday.
Three months before your birthday month, that month, and three months after. Enrol early and coverage starts the month you turn 65, with no gap.
- 1 Check whether Part A and B start automatically for you
- 2 Decide Advantage or Supplement before your birthday month
- 3 Line up drug coverage so no late penalty applies
You may be able to delay Part B — or you may not.
If your group coverage is creditable and the employer is large enough, you can usually postpone without a penalty. Smaller employers change that answer entirely.
- 1 Check how many employees the plan covers — that decides it
- 2 Get written proof your drug coverage is creditable
- 3 Compare what you pay now against Medicare
Your plan changed this year. Most people never read the letter.
Carriers adjust networks, formularies and copays every year. A plan that fitted two years ago can quietly become the wrong one — same name, different numbers.
- 1 Re-check your doctors are still in network next year
- 2 Re-price your prescriptions against the new formulary
- 3 Compare against what else your county now offers
A life change can open a window outside the usual dates.
Moving counties, retiring, losing employer coverage or qualifying for Extra Help can each trigger a Special Enrollment Period — but they run on their own clocks.
- 1 Pin down the exact date the change took effect
- 2 Confirm which Special Enrollment Period applies
- 3 Act inside the window — most are weeks, not months
The things people
ask us every day.
Short answers, no brochure language. If yours isn't here, an advisor will answer it on the phone in about a minute.
No hold music, no script. One licensed advisor, and you can hang up whenever you want.
Call (406) 369-9471Free · No obligationNo. You pay the same premium whether you enroll through us, through the carrier directly, or through Medicare. Carriers pay licensed agents a commission that's set the same across plans, so an advisor has no financial reason to steer you toward one carrier over another.
Usually — but it depends on the plan type. Medicare Supplement works with any provider who accepts Medicare, so networks aren't a concern. Medicare Advantage plans use networks, so your doctor has to be in that specific plan's network.
The main window is the Annual Enrollment Period, October 15 through December 7, with changes taking effect January 1. If you're already on a Medicare Advantage plan, there's a second window from January 1 through March 31 to switch once.
Outside those, a Special Enrollment Period may apply — moving, losing employer coverage, qualifying for Extra Help, and several other situations.
Neither, in the abstract. Advantage tends to cost less month to month and bundles extras like dental and drug coverage, with networks and copays as the trade-off. Supplement costs more monthly but leaves very little to pay at the point of care, and there's no network to worry about.
Which one wins depends on your health, your travel, your prescriptions, and how much monthly cost you'd rather trade for predictability.
Nothing changes from a phone call. Your current plan stays exactly as it is unless you complete an enrollment. An advisor will often tell you to stay put — if your plan is already the best fit for your doctors and medications, that's the honest answer.
No. You can enroll on the phone if you're ready, or ask for the comparison in writing and take a few days. Talk it over with family first if you'd like — the plans will still be there.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
