Frequently asked questions

Yes. Licensed agents are paid a commission by the insurance carriers, never by you. You pay the same premium whether you enroll through an agent or on your own; with an agent you simply get guidance with it.

Your first enrollment window opens three months before the month you turn 65 and runs for seven months in total. Enrolling on time avoids lifelong late penalties.

Yes. Every year the Annual Enrollment Period (October 15 to December 7) lets you switch plans, and certain life events open special windows. We review options with our clients every year.

Not always. If you have qualifying employer coverage you may be able to delay without penalty, but the rules depend on your situation. This is worth a quick call before you decide.

No, and we say so plainly: we do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. For a full list of options you can always contact Medicare.gov or 1-800-MEDICARE.

We are based in Waltham, Massachusetts and serve Greater Boston, surrounding areas in Massachusetts and New England, including Maine, New Hampshire, Rhode Island and Connecticut. We also help clients in Vermont and in neighboring New York. Most of our work happens over the phone, so where you are in the region makes no difference to the help you get.

Yes. Medicare itself is federal, but Medicare Advantage and Part D plans are offered county by county, and Supplement prices vary by state and insurer. That is why the first thing we ask is where you live: the right answer in Boston can be the wrong answer in Providence.

Many of our clients split the year between New England and somewhere warmer. Plan networks handle travel differently, so tell us about it up front and we will weigh it in the recommendation.