We walk you through every step explaining your coverage options, answering your questions, and helping you enroll in a plan that fits your healthcare needs and budget. No jargon. No pressure. Just guidance you can trust.

No. There is no cost to you for working with PlanSeek. Our guidance, consultations, and support are always free. We’re paid by insurance carriers, so our focus stays on what’s best for you.

However, depending on the plan you choose, you may be responsible for premiums, copayments, or deductibles which are paid directly to the insurance company or healthcare provider, not to PlanSeek.

Not always. Some Medicare Advantage plans have $0 monthly premiums, and many include built-in benefits like vision, dental, or prescription coverage. However, even with $0 premium plans, you may still have copayments, coinsurance, or deductibles when you receive care.

Other plans, such as Medicare Supplement (Medigap) plans, usually do have a monthly premium but often cover more of your out-of-pocket costs so you may pay less when you go to the doctor or hospital.

Every plan is different, and costs can vary based on your location, health needs, and provider network. That’s why we review your options with you so you can choose what fits both your care and your budget.

👉 Talk to a PlanSeek Advisor to review your cost options

Yes. Most people are still responsible for paying the standard Medicare Part B premium, which covers your outpatient and doctor services even if you enroll in a Medicare Advantage or Medigap plan.

Each calendar year, the standard Part B premium is set annually by Medicare (you can find the current amount at Medicare.gov). It’s usually deducted from your Social Security check, but you may also pay it directly if you're not receiving benefits.

Good news: If your income is limited, you may qualify for help through Medicaid or a Medicare Savings Program, which can pay some or all of your Part B premium.

👉 Ask a PlanSeek Advisor if you’re eligible for assistance we’ll walk you through the options and help with the application process if needed.

Medicare is made up of several parts, each covering different types of healthcare needs:

• Part A - Hospital coverage (inpatient care, skilled nursing, hospice, home health)

• Part B - Medical coverage (doctor visits, outpatient services, preventive care, durable medical equipment)

• Part C - Medicare Advantage plans (all-in-one plans offered by private insurers that include Parts A & B and often Part D, plus extras like vision or dental)

• Part D - Prescription drug coverage (helps pay for medications, vaccines, and more)

• Medigap (Supplement Insurance) - Optional plans that help cover out-of-pocket costs not paid by Parts A and B (like copays, deductibles, and coinsurance)

👉 Need help choosing the right mix for your needs? Talk to a PlanSeek Advisor

Not necessarily. It’s a common concern, and unfortunately, some people are told they need to change doctors when that’s not always the case. This can happen if the agent helping you isn’t familiar with your provider’s network or isn’t contracted with the health plan your doctor accepts. At PlanSeek, we take a different approach. We start by asking about your doctors and specialists, then work backward matching you with plans that help you stay with the providers you trust whenever possible.

💡 In many cases, patients can keep their doctor they just need someone who knows how to check the right networks and plan options.

👉 Let us verify your doctor’s network before you make any changes. Talk to a PlanSeek Advisor

Absolutely. Many patients find us through their healthcare providers. We work closely with medical practices to ensure a seamless, supportive experience that keeps your care team involved.

We focus on education over sales. Our advisors aren’t paid commissions, so their only priority is helping you make the best choice. We also partner with medical providers to support your continuity of care.

We can help you understand and enroll in:

• Medicare Advantage (Part C) plans

• Medicare Supplement (Medigap) plans

• Prescription Drug Plans (Part D)

• Dual-eligible plans for those with Medicare and Medicaid

• Programs for chronic conditions or financial assistance

Ideally, you should begin exploring your options 3 - 6 months before your 65th birthday. This gives us time to review your needs, explain your options, and avoid enrollment delays or penalties.

Yes! If your current plan no longer fits your needs, we’ll help you review your options and switch during the appropriate enrollment period.

We recommend having:

• A list of your medications

• Your preferred pharmacy

• Names of your doctors and specialists

• Your Medicare card (if you have one)

• Any recent letters or documentation from Medicare or Social Security