Frequently asked questions

We're a licensed insurance agency. We help you compare plans from multiple carriers, choose one that fits, enroll, and get help all year — at no cost to you.

No. We're an independent agency. The carriers underwrite and issue your policy; we help you find and manage it.

Request a free plan review on our Contact page or by phone. We'll ask a few questions about your household, doctors, and budget, then walk you through your options.

We're a regional agency headquartered in Sheridan, Wyoming, serving individuals, families, and Medicare members across much of the Midwest and South.

No. Our guidance is free. We're compensated by the carriers, and that never adds to your premium — a plan costs the same whether you enroll through us or on your own.

Your premium is what you pay every month to have coverage. Your deductible is what you pay for care before the plan starts sharing costs. Lower premiums usually mean higher deductibles, and vice versa.

Possibly. Many people qualify for premium subsidies based on household income and size. We'll check your eligibility as part of your plan review.

It's the most you'll pay for covered in-network care in a year. Once you hit it, the plan covers 100% of covered services for the rest of the year.

During annual Open Enrollment, or any time you have a qualifying life event. Medicare has its own enrollment windows. We'll tell you exactly which dates apply to you.

Things like moving, losing other coverage, getting married or divorced, having a baby, or a change in income. These open a Special Enrollment Period outside the normal window.

Yes. A family plan covers everyone under one deductible and one bill, and you can adjust who's covered as your household changes.

Usually basic details for each person to be covered, household income for subsidy checks, and your preferred doctors or medications so we can match networks and drug lists.

Often, yes. Tell us who you see and we'll check which plans keep them in-network before you commit.

In-network providers have agreed rates with your plan, so you pay less. Out-of-network care usually costs more, and on some plans isn't covered except for emergencies.

Call us. One of the reasons people work with an agency is that we help sort out claims and coverage questions instead of leaving you on hold with a carrier.

Yes. Dental and vision can be layered onto most plans, and we can add them during enrollment or when your circumstances change.

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private carriers. It bundles hospital and medical coverage, usually adds prescription drugs, and often includes dental, vision, and hearing.

Around your 65th birthday (Initial Enrollment), during the Annual Election Period from Oct 15 to Dec 7, and during Medicare Advantage Open Enrollment from Jan 1 to Mar 31. Special periods may also apply.

No. We don't offer every plan available in your area, and any information we provide is limited to the plans we do offer. For all your options, contact Medicare.gov or 1-800-MEDICARE.

Only if you opt in. If you do, we may text about quotes, appointments, and enrollment reminders. See our Mobile Terms of Service for details.

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