Absolutely nothing! There is never a charge or any obligation to use our services. They are free.

Not always. However, if you do not enroll in Medicare Part B when you are first eligible and do not have other creditable coverage, such as an employer health plan, you may have to pay a Medicare Late Enrollment Penalty. Delaying enrollment can also cause gaps in coverage and delays in when your Medicare benefits begin. For most people, it is best to enroll when first eligible unless they have other qualifying coverage they plan to keep. If you are unsure when to enroll, we can help you understand your options and avoid costly penalties.

If your income is limited and you are having trouble affording your Medicare Part B premium, you may qualify for help through your state Medicaid program or other Medicare Savings Programs.

If you are having trouble paying your Part B premium, you might consider checking with your state’s Medicaid program to see if you qualify for additional support.