Frequently Asked Questions

Ideally 3–6 months before your 65th birthday or before you retire. That gives us time to compare plans without rushing your Initial Enrollment Period.

Yes — that’s the heart of what we do. We compare Advantage, Supplement, and Part D options side by side and explain the real differences in cost and coverage.

Most people enroll during their Initial Enrollment Period around age 65, or during the Annual Enrollment Period each fall. Certain life events may qualify you for a Special Enrollment Period — we’ll help you find out.

Absolutely. We help individuals and families compare Marketplace plans, check tax-credit eligibility, and enroll — at no cost to you.

Appointments are appreciated so we can give you our full attention, but we’re happy to take walk-ins and phone calls during business hours.

We work with multiple carriers and compare the Medigap plans available in our area — including the popular Plan G and Plan N — to find the best fit and rate for you.

In most cases, yes. Medigap plans work with any doctor who accepts Medicare — no networks. We’ll confirm your doctors before you enroll.

No. As independent brokers we’re compensated by the insurance carriers — our guidance, comparisons, and enrollment help come at no additional cost to you.

Yes — our office is on East Commerce Street in downtown Jacksonville. We also meet by phone — whatever is easiest for you.

Bring your current insurance cards, a list of your medications and doctors, and any questions you have. We’ll take it from there.