Medicare Consulting Services

Q: How much do Medicare consulting services cost?

Our fee-only consulting services typically range from $250-$1,000 depending on the complexity of your situation. Unlike commission-based agents, we charge a transparent fee and have no financial incentive to recommend one plan over another.

Q: Do you sell Medicare plans?

No. We provide consulting services only. We'll research and recommend the best options for your situation, but you'll enroll directly with the insurance company or through Medicare.gov. This ensures our advice is 100% unbiased.

What Are Medicare Consulting Services?

Medicare consulting services provide professional guidance to help you navigate the complex world of Medicare. Unlike insurance agents who earn commissions by selling specific plans, Medicare consulting services offer objective, unbiased advice focused entirely on your needs—not on which plan pays the highest commission.

Whether you're turning 65, leaving employer coverage, reviewing your current plan during Annual Enrollment, or simply feeling overwhelmed by your options, Medicare consulting services can help you make confident, informed decisions about your healthcare coverage.

Our Medicare consulting services are designed for people who want:

Unbiased plan recommendations with no hidden agendas
Clear explanations of complex Medicare rules and options
Personalized analysis based on their specific health needs and budget
Ongoing support and guidance throughout enrollment
A trusted advisor who works for them—not the insurance companies

As a fee-only Medicare advisor, we charge a transparent fee for our Medicare consulting services. This means you get advice you can trust, without wondering if we're steering you toward a plan that benefits us more than you.

Medicare Consulting Services vs. Free SHIP Counseling

You may have heard about SHIP (State Health Insurance Assistance Program), which offers free Medicare counseling. Both options can help, but there are important differences to consider when deciding which Medicare consulting services are right for you.

Feature	Our Medicare Consulting Services	Free SHIP Counseling
Availability	Available year-round, flexible scheduling	Often limited hours, long wait times during enrollment periods
Personalization	Deep dive into your specific situation, medications, doctors, and budget	General information and guidance
Depth of Analysis	Comprehensive plan comparison with detailed cost projections	Overview of options and how to research them
Follow-up Support	Ongoing support via phone and email for weeks after consultation	Typically limited to the initial session
Wait Times	Appointments typically within 1-3 days	Can be weeks during peak enrollment season
Cost	$250-$1,000 depending on service level	Free

Feature

Our Medicare Consulting Services

Free SHIP Counseling

Availability

Available year-round, flexible scheduling

Often limited hours, long wait times during enrollment periods

Personalization

Deep dive into your specific situation, medications, doctors, and budget

General information and guidance

Depth of Analysis

Comprehensive plan comparison with detailed cost projections

Overview of options and how to research them

Follow-up Support

Ongoing support via phone and email for weeks after consultation

Typically limited to the initial session

Wait Times

Appointments typically within 1-3 days

Can be weeks during peak enrollment season

Cost

$250-$1,000 depending on service level

Free

SHIP counselors are volunteers who do important work. For quick questions, they're a great resource. For complex situations requiring detailed analysis, professional Medicare consulting services provide more comprehensive support.

Our Medicare Consulting Services Include

Our Medicare consulting services cover every aspect of your Medicare journey. Here's what you can expect when you work with us:

Medicare Enrollment Guidance

Navigate Initial Enrollment, Special Enrollment Periods, and Annual Enrollment with confidence. We ensure you meet all deadlines and avoid costly penalties.

Medicare Supplement (Medigap) Plan Comparison

Compare all available Medigap plans in your area, analyzing premiums, coverage levels, and carrier financial ratings.

Medicare Advantage Plan Analysis

Evaluate Medicare Advantage options including HMOs, PPOs, and Special Needs Plans based on your doctors, hospitals, and coverage needs.

Part D Prescription Drug Plan Research

Find the drug plan that covers your specific medications at the lowest total cost, including premiums, deductibles, and copays.

Annual Plan Review and Optimization

Review your current coverage each year to ensure it still meets your needs. Plans change annually—we help you stay ahead.

Employer Coverage Transition Help

Coordinate the transition from employer coverage to Medicare, including timing, COBRA considerations, and coverage gap prevention.

Why Choose Fee-Only Medicare Consulting Services?

📚

Expert Knowledge

We understand the intricacies of Medicare Parts A, B, C, and D, Medigap plans, and enrollment rules so you don't have to figure it out alone.

⚖

100% Objective Advice

Our Medicare consulting services don't involve selling insurance or earning commissions. Our only incentive is finding the best solution for your specific situation.

🕑

Save Hours of Research

Skip the confusion of comparing dozens of plans. Our Medicare consulting services distill complex information into clear, actionable recommendations.

💰

True Cost Transparency

We help you understand the complete costs of different Medicare options, including premiums, deductibles, copays, and out-of-pocket maximums.

How Our Medicare Consulting Process Works

Free Initial Consultation

We start with a complimentary call to understand your situation, answer basic questions, and explain how our Medicare consulting services can help.

Comprehensive Needs Assessment

We gather information about your health needs, medications, preferred doctors, budget, and coverage priorities to tailor our analysis.

In-Depth Plan Analysis

We research and compare all Medicare options available in your area, considering your specific needs, preferences, and financial situation.

Personalized Recommendations Report

We present our findings in plain English, explaining the pros and cons of each option and providing our unbiased recommendations.

Enrollment Support and Follow-Up

Once you've decided, we guide you through the enrollment process and remain available for questions and support.

Frequently Asked Questions About Medicare Consulting Services

How much do Medicare consulting services cost?

Our fee-only Medicare consulting services typically range from $250-$1,000 depending on the complexity of your situation. Unlike commission-based agents, we charge a transparent fee and have no financial incentive to recommend one plan over another.

What's the difference between a Medicare consultant and a Medicare agent?

A Medicare consultant provides objective guidance and charges you directly for advice. A Medicare agent sells insurance plans and earns commissions from insurance companies. Our fee-only approach means our recommendations are based solely on what's best for you—not on which plan pays us more.

When should I use Medicare consulting services?

Consider Medicare consulting services when you're turning 65, leaving employer coverage, unhappy with your current plan, taking expensive medications, or simply overwhelmed by the options. We're especially helpful during the Annual Enrollment Period (October 15 - December 7).

Do you sell Medicare plans?

No. We provide Medicare consulting services only. We'll research and recommend the best options for your situation, but you'll enroll directly with the insurance company or through Medicare.gov. This ensures our advice is 100% unbiased.

Can you help me if I live outside Florida?

Yes! Our Medicare consulting services are available nationwide. We work with clients in all 50 states via phone and video consultations.

What Are Medicare Consulting Services?