Real questions. Straight answers.
The ten questions we hear most, answered the way we would tell a neighbor. No jargon and no sales pitch, with a licensed broker 15 minutes away whenever you want a human instead.
What do Parts A, B, C, and D mean?
The alphabet in plain English, and where Plan G and N actually fit.
Read the answer →How much does Medicare cost in 2026?
The real numbers: $202.90 Part B, the $2,100 drug cap, and the cost nobody quotes.
Read the answer →Do I get Medicare automatically at 65?
Only if you already collect Social Security. Everyone else has to raise a hand.
Read the answer →Still working: do I have to take it?
The 20-employee rule, the HSA trap, and what COBRA does not protect you from.
Read the answer →What does Medicare not cover?
Dental, vision, hearing, long-term care, and how people actually fill the gaps.
Read the answer →Can I keep my doctor?
Usually yes, but your route decides it. How to check before you enroll, not after.
Read the answer →Do I need Part D with no medications?
Not required. But the penalty clock is permanent, and the workaround is cheap.
Read the answer →What if I missed my deadline?
The penalties, the windows that fix it, and when the whole thing can be erased.
Read the answer →Can I change my plan later?
Every fall, plus extra windows. And the one door with a health check on it.
Read the answer →What is IRMAA?
Medicare’s income surcharge, the two-year lookback, and the one-form appeal.
Read the answer →Your question not here? Ask a human who does this all day.
Three quick questions, two minutes. A licensed broker calls you back within 15 minutes during business hours.