This is where you find short answers to questions that are asked a lot. While the answers may lead to other question's there here to help you on your path to your solution.

What are the fees for your services?

Independent Insurance Brokers are forbidden to charge upfront fees for a transaction. We can't tack on fees or charge them afterwards. We are compensated by the insurance company you choose provided you remain satisfied and we're required by law to put your interests first.

Do I need to Sign up for Medicare at 65?

If you have coverage through your employer you may not need to sign up for Part B to avoid a 10% penalty later on. You should check with your insurer by calling the customer service number on the back of your health insurance card and asking them two questions:

"Will I get a penalty if I don't enroll in Part B?"

If they say yes you do not need to enroll in Part B but you may want to. Please contact us for a full explanation.

"Is my coverage creditable for Part D?"

If they say no, you will need to enroll in Part A and a Part D prescription drug plan to avoid a late enrollment penalty of 1% per month for every month you go without creditable coverage when you do join a Part D plan.

Can I register or enroll for Medicare Online?

If you are a natural born U.S. Citizen or in other instances you can enroll online. It takes about 15 minutes. Please remember to write down the re-entry code if you leave in the middle as you will need it to complete the process later and if you don;t have it you'll have to make a trip to the local Social Security Office to finish. Here's the link: