Medicare, Obamacare and life insurance with a real advisor
Medicare, Obamacare and life insurance, explained in your language with no fine print. A real, licensed person guides you step by step: no cost to you, no pressure and a review every year.
Services
Everything you need, with one person
We don’t pass you between departments. Your advisor stays with you at every stage.
65+01Medicare
Original Medicare, Advantage, Supplement and Part D, explained without jargon.
- Your enrollment dates
- Doctors and drugs in network
- Plan comparison for your area
Under 6502Obamacare (ACA)
Marketplace plans and premium help based on your income.
- Bronze, Silver, Gold and Platinum
- Your premium-help estimate
- Step-by-step enrollment
Family03Life insurance
Term, permanent and final expense to protect your family.
- Term vs whole life
- Coverage that fits your situation
- Beneficiary review
Included04Support
Your advisor stays with you: annual review and help when your life changes.
- Annual coverage review
- Life-event check-ins
- Changes without the paperwork
Four steps, and the last one sets us apart
A real advisor stays with you before, during and after you enroll.
01We listen
Tell us your situation: doctors, drugs, budget and family. No rush, in your language.
- In Spanish or English
- No obligation
02We compare
We review options from real carriers and show you the differences, without jargon.
- No jargon
- Clear costs
03We enroll
We help with the application and paperwork, step by step, until it's confirmed.
- Guided application
- Until it's confirmed
04We follow through
Annual review and a heads-up when your life changes: marriage, baby, move or retirement.
- Annual review
- Life-event check-ins
01We listenTell us your situation: doctors, drugs, budget and family. No rush, in your language.
02We compareWe review options from real carriers and show you the differences, without jargon.
03We enrollWe help with the application and paperwork, step by step, until it's confirmed.
04We follow throughAnnual review and a heads-up when your life changes: marriage, baby, move or retirement.
What you get from the first call
Four commitments we keep all year, not just the day you enroll.
All year
- Cost$0
cost for our guidance to you
- Your advisor1
advisor who knows you and follows up
- All year12+
months a year of review and support when you need it
- Languages2
languages: we help in Spanish and English
Learn before you decide
The essentials of Medicare and Obamacare
General information so you arrive at the call with the right questions. Your agent confirms what applies to your case.
Hospital
Hospital stays, skilled nursing and hospice.
- Hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health services
It is the base of Original Medicare: it covers care when you are admitted.
- No monthly premium if you or your spouse worked enough (40 quarters)
Medical
Doctor visits, tests and outpatient care.
- Doctor visits
- Tests and lab work
- Outpatient care
- Preventive services
It covers everyday care, which is why it has a monthly premium and a deductible.
- Monthly premium
- Annual deductible
Advantage
Private plans that include A and B and, usually, D.
- Includes Parts A and B
- Usually includes Part D
- Often adds dental, vision and hearing
- Network of doctors and hospitals
It is a private plan: before you choose, confirm your doctors and pharmacy are in the network.
- Often add dental, vision and hearing
- With a provider network
Drugs
Covers prescription drugs.
- Prescription drugs
- Each plan's own drug list (formulary)
- The plan's network pharmacies
- Adds to Original Medicare
Each plan covers different drugs: check yours before you enroll.
- Each plan has its own drug list
- And its own pharmacies
It starts 3 months before your 65th birthday month, includes that month and ends 3 months after.
- −33 months before
- −2
- −1
- 65Your birthday month
- +1
- +2
- +33 months after
Signing up late costs you
If you could have had Part B and didn't sign up on time, the premium rises 10% for each full 12 months of delay, for as long as you have Medicare.
What Original Medicare doesn't cover
Most dental, vision and hearing aids, and it has no annual out-of-pocket cap. That's why many choose Advantage or a Supplement.
You can switch every fall
From October 15 to December 7 you can review your plan and change it for next year.
- Date of birth and ZIP code
- List of your doctors and pharmacy
- Drugs you take today and the dose
- Estimated yearly income (for ACA)
Bronze
Lowest premium; you pay more when you use care.
- Includes the essential health benefits
- Lowest monthly premium
- You pay more when you use care
- The plan pays about 60% of costs on average
Premium help depends on your income and household size. An agent estimates it before you choose.
- Lower premium
- More cost when you use care
Silver
Balanced. May include cost-sharing reductions if you qualify.
- Includes the essential health benefits
- Balanced premium and spending
- May include cost-sharing reductions if you qualify
- The plan pays about 70% of costs on average
Premium help depends on your income and household size. An agent estimates it before you choose.
- Balance of premium and cost
- Possible cost-sharing help if you qualify
Gold
Higher premium, less out-of-pocket spending.
- Includes the essential health benefits
- Higher monthly premium
- Less out-of-pocket spending
- The plan pays about 80% of costs on average
Premium help depends on your income and household size. An agent estimates it before you choose.
- Higher premium
- Less cost when you use care
Platinum
Lowest spending when you use care. Not available in all areas.
- Includes the essential health benefits
- Lowest spending when you use care
- Not available in all areas
- The plan pays about 90% of costs on average
Premium help depends on your income and household size. An agent estimates it before you choose.
- Not available in all areas
The tax credit that lowers your premium is based on your income and household size. A $0 plan is not guaranteed.
- Your income
- Your household
- Your tax credit
- Your premium
No denial for pre-existing conditions
Marketplace plans can't turn you down or charge you more for a condition you already have.
Essential benefits included
Every plan covers doctor visits, emergencies, hospital, maternity, mental health and drugs, among others.
60 days after a life event
A move, marriage, a new baby or losing coverage can open a special window to enroll.
- Date of birth and ZIP code
- List of your doctors and pharmacy
- Drugs you take today and the dose
- Estimated yearly income (for ACA)
How we work
Clarity, closeness and follow-through
No jargonClarity
We explain every option in plain words: costs, provider network, drugs and fine print.
Real personCloseness
A real person, not just a call center or a portal. No hard sales and no hidden fees.
All yearFollow-through
We review your coverage every year and when your life changes. Your advisor is still there after you enroll.
U.S. health news
What matters today, from verified sources
Headlines from federal agencies and nonprofit journalism. They update automatically every day.
We link to the original source and don’t reproduce the articles. Information is general: it isn’t medical, legal or insurance advice, and doesn’t imply affiliation with or endorsement by the sources.
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- Key Medicare and Obamacare dates, before they close
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What almost nobody explains
Questions worth asking
Clear answers to what confuses people most about Medicare and Obamacare.
What happens if I don't sign up for Medicare on time?
If you could have had Part B and didn't take it, your premium rises 10% for each full 12 months of delay, for as long as you have Medicare. That's why the 7-month window around your 65th birthday matters.
Does Medicare cover everything?
No. Original Medicare doesn't cover most dental, vision or hearing aids, and it has no annual out-of-pocket cap. An Advantage plan or a Supplement can fill those gaps.
Can I keep my doctor?
It depends on the plan. With Original Medicare you can see any doctor who accepts Medicare; Advantage and Obamacare plans each have a network. We check with you that your doctors and pharmacy are in network.
Why do two people pay different premiums on the same Obamacare plan?
Because the tax credit that lowers your premium depends on income and household size. That's why we estimate your help before you pick a plan.
Can a plan turn me down for a condition I already have?
Not Marketplace (ACA) plans: they can't reject you or charge you more for a pre-existing condition.
What if I lose my coverage mid-year?
You may have 60 days to enroll in an ACA plan, or a special window in Medicare. Call us soon: the clock starts on the date of the event.