Message a licensed human who knows Medicare inside out. We explain Parts A, B, C and D in plain language, compare 30+ carriers, and help you enroll — completely free, with no obligation.
500K+ people have talked with our advisers
Margaret R.
Licensed Medicare Adviser Online
Every adviser on our team is licensed, independently certified and trained to explain your options — never to push a product.
Licensed Medicare Adviser
“Specializes in Part D and prescription savings.”
Licensed Medicare Adviser
“Helps people compare Medicare Advantage networks.”
Licensed Medicare Adviser
“Guides first-time enrollees through Parts A & B.”
Licensed Medicare Adviser
“Focuses on Medigap and out-of-pocket planning.”
No jargon, no fine print. Here's how our advisers answer the questions we hear every single day.
Eligibility Age
People Advised
Adviser Rating
Availability · live now
Share your age, your doctors, and the prescriptions you take. Nothing complicated — just a short conversation so your adviser understands what matters to you.
Your adviser reviews plans from 30+ carriers available in your ZIP code, checking that your doctors are in-network and your medications are covered.
Go through a clear comparison of premiums, coverage and out-of-pocket costs. Ask anything — there's no pressure and no cost.
When you're ready, your adviser walks you through enrolment step by step and stays available afterwards if anything changes.
| Feature | Original Medicare (A&B) | Medicare Advantage (Part C) |
|---|---|---|
| Monthly Premium | Part B premium applies | Varies by plan |
| Provider Choice | Any Medicare provider | Network based |
| Prescription Coverage | Not Included | Usually Included |
| Dental & Vision | Not Included | Often Included |
| Out-of-Pocket Cap | No annual cap | Annual maximum |
| Referrals Required | Rarely | Varies by plan |
Coverage details vary by carrier, plan and location. An adviser can confirm what's available where you live.
Margaret R.
Licensed Medicare Adviser
Days
Hours
Minutes
Seconds
Open enrollment: Oct 15 – Dec 7 · Free · No obligation
Barbara C.
Ohio
“She actually listened instead of selling. I finally understand what I'm paying for.”
Verified memberRobert H.
Arizona
“Twenty minutes of messaging saved me more than $400 a year.”
Verified memberElaine M.
Florida
“It felt like talking to a knowledgeable friend, not a call centre.”
Verified memberMost people qualify at age 65. You may also be eligible earlier through certain disabilities, End-Stage Renal Disease or ALS. Your Initial Enrollment Period runs from three months before your 65th birthday month to three months after.
Part A is usually premium-free if you or your spouse paid Medicare taxes for at least 10 years. Part B has a standard monthly premium, and Part C or D costs depend on the plan you choose. An adviser can total up your realistic monthly and annual costs before you commit.
Open Enrollment runs October 15 to December 7, with changes taking effect January 1. There's also your Initial Enrollment Period around your 65th birthday and Special Enrollment Periods triggered by life events such as moving or losing employer coverage.
Yes. During Open Enrollment you can change between Original Medicare and Medicare Advantage, or swap drug plans. Medicare Advantage members also have a Jan 1 – Mar 31 window to make one change. We'll review your plan every year at no cost.
Usually yes. If you skip Part D without other creditable drug coverage and enroll later, a permanent late-enrollment penalty is added to your premium. Many low-cost plans exist specifically for people who take little or no medication today.
There's no catch and no fee. Our advisers are compensated by the insurance carriers when someone enrolls, and plan prices are set by Medicare — so the premium is the same whether you use an adviser or not. You're never obligated to enroll.
For official program information, visit Medicare.gov.
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A short, friendly conversation with a licensed adviser — free, unbiased, and entirely at your pace.