Medicare questions, answered in plain English.

No. Our help is completely free to you — we're paid by the insurance carriers, never by you, and that never changes your premium.

Your Initial Enrollment Period is the 7 months around your 65th birthday. The Annual Enrollment Period runs from October 15 to December 7 each year. We'll make sure you don't miss your window.

Not always. If you have qualifying coverage through a current employer, you may be able to delay Part B without penalty and enroll later through a Special Enrollment Period. The rules depend on your specific coverage, so it’s worth confirming.

Yes — prescription coverage comes through a stand-alone Part D plan added to Original Medicare, or built into many Medicare Advantage plans. Which route fits depends on your medications and situation.

The coverage gap was eliminated in 2025 and replaced by an annual out-of-pocket cap.

Yes — during the Medicare Advantage Open Enrollment Period, January 1 to March 31, you can switch to another Advantage plan or return to Original Medicare with a drug plan. You can make one change during this window.

Great — we'll review it for free and tell you honestly whether it's still your best fit. Many people keep what they have; some find better coverage for less.

Yes — you may qualify earlier if you’ve received Social Security disability benefits for a period of time, or if you have certain conditions like ESRD or ALS. The enrollment timing differs, so reach out if this is you.

Never. Martin's whole approach is to explain your options and let you decide — many calls end with "now I finally understand it."

No. Insurance Advisors, Inc. is a private, independent, licensed brokerage. For all of your options, you can also contact Medicare.gov or 1-800-MEDICARE.