About
What working with us is actually like, and who it suits.
The difference
Your prescriptions and your physicians run against each plan's formulary and network first. A plan with a great premium and the wrong formulary is not a great plan.
A quote based on premium alone takes about ninety seconds to produce.
Some Medicare choices can be changed every year and some effectively cannot. You will know which is which before you sign, not after.
The difficult-to-reverse parts rarely come up in a sales conversation.
Medicare premiums are income-tested off a tax return filed two years earlier. That belongs in the same conversation as Roth conversions and required distributions.
Most Medicare help stops at the plan comparison.
Networks and formularies change annually. We review your coverage each fall and tell you when the answer is "stay put".
Plenty of agents are unreachable until the next selling season.
How we help
An office on Orchard Lake Road and forty years in metro Detroit. The person who reviews your options is the person who answers when you call back in March.
You should understand why a plan fits you well enough to explain it to your spouse. If you cannot, we have not finished.
Alan is a former CPA. Medicare decisions get looked at next to your taxes and your retirement income, because that is where they land.
Reviewing your options costs nothing, and plan premiums are the same whether you enroll through an agent or on your own.
What to expect
What coverage you have now, whether you are still working, and when your window opens. Nothing to prepare and nothing to sign.
We check your prescriptions and your doctors against the plans available where you live. This is the step most people skip and most regret skipping.
You see the real trade-offs between the paths open to you, including the ones that are hard to reverse later. Then you decide.
Plans change their formularies and networks each year. We review yours before the December deadline, whether or not anything changes.
Nothing. Insurance carriers pay a commission when you enroll in a plan, and the premium is the same whether you enroll through an agent or directly with the carrier. You are not charged a fee for the review.
No agent does. We are appointed with a number of carriers and we will tell you plainly which ones, so you know the edges of the comparison you are being shown. You can always compare against every plan in your area at Medicare.gov or by calling 1-800-MEDICARE.
About three months before you turn 65, or as soon as you know when employer coverage is ending. Earlier is better — some of the windows have penalties attached that never expire.
Often, yes. Plans change their drug formularies and provider networks every year, so a plan that fit you last year may not this year. Reviews happen in the fall, before the December deadline.
Start with a conversation. No cost, no pressure, no obligation to continue.
