Senior Benefits Adviser.com's mission is to make Medicare more transparent and accessible for America’s 60 million Medicare beneficiaries.
I aim to simplify a traditionally confusing and complex decision by delivering you a simple, delightful and comprehensive enrollment experience.
Senior Benefits Adviser is dedicated to delivering an end-to-end enrollment experience from research, evaluation to enrollment. You can think of me as your free personal Medicare concierge service.
My goal is to be the only insurance site you need for enrolling in Medicare. That means I:
There is no “one size fits all” Medicare solution and a plan may seem less expensive up front but end up costing you more in the long run. At Senior Benefits Adviser, I partner with you to remove the guesswork so you have complete clarity and transparency.
I combine state-of-the-art research tools with best-in-class knowledge of Medicare to find you the coverage that best fits your individual needs. You connect with a licensed insurance agent that can answer your questions and walk through the best options based on your personal healthcare and budget.
Yes, Senior Benefits Adviser services are 100% free and there is no obligation whatsoever to enroll in a plan.
I am committed to independent advice and am dedicated to providing unbiased insurance advice. I will not try to upsell or steer you into a plan that does not suit your needs.
I get paid a commission by insurance companies for enrolling you in an insurance plan.
But don’t worry: these commissions do not impact the price you receive or are quoted for different Medicare plans whether you purchase them through me or directly with an insurance company. This means you never pay extra to use our service.
I understand that commissions introduce a potential conflict of interest. But I avoid that conflict by:
No, whether you enroll into a Medicare health insurance plan with us, with another agent/broker or directly from Insurance Company X, you cannot get a cheaper price for the same policy from Insurance Company X. This is because each insurance company files their prices with the federal regulator, and everyone has to use those prices. It is illegal for us or anyone else to discount that price.
However, you can save money and make smart decisions by comparing insurance policies across the market (like Amazon).
Each company competes to offer you the best coverage and you as a consumer win. I strive to offer all the top insurance companies, to make sure you get the best policy for you and save money.
No, Senior Benefits Adviser is an independent insurance platform. What that means is that I represent multiple insurance companies and have no bias to recommend one over another.
I work with over 20 top-rated insurance companies across the country so you can be confident that you’re buying from a very reputable insurance company, and getting the best quotes. For me it’s important you find the right insurance policy for your needs. When insurance companies compete for your business, you win.
At Senior Benefits Adviser, I am focused on Medicare-related plans. I can help enroll you into a Medicare Advantage (Part C), Medigap (also known as ‘Medicare Supplement’) or Prescription Drug Plans (PDPs). I will also help you determine whether staying in Original Medicare or enrolling in Medicare Advantage makes the most sense for you.
If it is recommended you purchase a Medicare Advantage plan, I will check to make sure that your doctor preferences and prescription drugs are covered. If it is recommended that you stay in Original Medicare, I will also help evaluate whether any Medigap or PDP plans are suitable for your situation.
Yes, if you are enrolling in a Medicare Advantage plan and have specific doctors and prescription drugs that you must have our platform will be able to check if they are included in the plan.
If you are enrolling in a Medigap plan (and therefore enrolled in Original Medicare), you are able to use any doctor across the country that accepts Medicare.
If you are enrolling in a Prescription Drug Plan (PDP), I will always help check if the plan covers your prescription drugs.
You are always free to use our research tools and platform before you enroll in Medicare. Our friendly customer support team is always happy to help answer any of your questions.
In most cases, you will need to already be on Medicare and eligible to enroll or switch Medicare plans during a specified Medicare ‘Enrollment Period’ before I can help you purchase a Medicare Advantage, Medigap, or Prescription Drug Plan.
If you need to enroll in Medicare you can enroll online by visiting: ssa.gov/benefits/medicare.
Medicare is a federal program that delivers health insurance for U.S. citizens (and permanent residents with more than 5 years continuous residency) who are age 65 and older as well as individuals with certain illnesses or disabilities.
Original (or ‘Traditional’) Medicare provided by the government helps to cover costs of hospitalization services (Medicare Part A) and physician services (Medicare Part B). It does not cover prescription drugs (otherwise known as part D) or any other medical services. While Original Medicare will help pay costs. You are responsible for paying premiums, deductibles, copayments or coinsurance costs.
Medicare Advantage (also known as Medicare Part C) is Medicare coverage that is provided by private insurance companies contracted with Medicare. Medicare Part C is an all-in-one ‘bundled’ alternative to Original Medicare and covers everything that Original Medicare (Parts A and B) covers and often includes extra benefits as well such as prescription drugs coverage as well as dental, vision and hearing care.
I can help you determine if Medicare Advantage is a good option for you and if so, which plan may suit your situation.
Medigap plans are insurance that help to cover the ‘gaps’ in Original Medicare. In other words, Medigap plans help to pay for the out of pocket costs such as deductibles, copays and coinsurance that you are responsible for under Original Medicare. Medigap can only be used with an Original Medicare plan and does not cover prescription drug cost (Part D) or any extra benefits.
There are 10 different standardized Medigap plans (A, B, C, D, F, G, K, L, M, and N) depending on your needs and budget. When comparing the same Medigap plan across different private health insurance companies your only differentiation is the premium and the insurer’s reputation.
I can help you determine if Medigap is a good option for you and if so, which plan may suit your situation.
Medicare Part D plans refers to prescription drug coverage.
A Prescription Drug Plan (PDP) is standalone prescription drug insurance policy provided by private insurance companies. Original Medicare does not cover prescription drugs, however, by purchasing a PDP you may lower your prescription drug costs and protect yourself against higher costs.
You can also receive Part D coverage if you enroll in a Medicare Advantage plan which includes Part D. an all-in-one ‘bundled’ alternative to Original Medicare and covers everything that Original Medicare (Parts A and B) covers and often includes extra benefits as well such as prescription drugs coverage as well as dental, vision and hearing care.
I can help you find the most affordable Part D coverage for your prescription drugs.
When evaluating Medicare plans, you should look consider the following:
I can help you to make sure all the above considerations are reviewed before you enroll in a plan.
You can enroll in Medicare during one of these periods:
If you are turning 65 and have already been receiving Social Security or Railroad Retirement Board (RRB) benefits for at least 4 months prior to your 65th birthday, you will automatically be enrolled in Medicare.
If this does not apply, you can sign up to Original Medicare using one of these options: