Say the limits first
Our shelf has edges, and the edges are the useful part. We name them before we quote, not after.
About
A licensed agency that tells you where its shelf ends.
We help people choose between Medicare, Marketplace, and dental, vision and hearing plans. We are paid by the carriers, our shelf is limited to the carriers we are appointed with, and we would rather you knew both than guessed.
What we are
- A licensed insurance agency.
- Appointed with 16 carriers across three lines of business, including every major national name.
- Paid a commission by the carrier when you enrol, and nothing by you.
- Responsible for the advice we give, under a licence you can verify.
What we are not
- Not a government agency, and not connected with Medicare, CMS, the Marketplace or any federal or state program.
- Not able to show you every plan available where you live. No agent can.
- Not a source of medical, legal or tax advice.
- Not a lead broker. We do not buy lists and we do not sell your details.
Four things we operate by
One agent, start to finish
Not a queue and not a department. You get a name and a licence number, and the same person in March.
No figures on the website
Premiums and thresholds change every year. A dated number on a licensed agency’s site is worse than none, so we publish none and give you current ones on the call.
Free routes named, not buried
Medicare.gov, 1-800-MEDICARE, SHIP and HealthCare.gov appear on seven pages of this site. If one suits you better, that is what we will tell you.
The carriers we are appointed with
An appointment is a contract between us and an insurer that lets us quote and place their products. We hold appointments with 16 carriers, including the major national names in each of the three lines we work in.
Medicare & Marketplace medical
- UnitedHealthcare
- Aetna (CVS Health)
- Humana
- Cigna Healthcare
- Elevance Health (Anthem Blue Cross Blue Shield)
- Blue Cross Blue Shield independent licensees
- Centene (Ambetter and Wellcare)
- Kaiser Permanente
- Molina Healthcare
- Oscar Health
Medicare Supplement
- Mutual of Omaha
- UnitedHealthcare (AARP-branded)
- Aetna
- Cigna Healthcare
- Humana
Dental, vision & hearing
- Delta Dental
- VSP Vision Care
- Guardian
- MetLife
- Ameritas
- Humana
Appointed with the majors is not the same as every plan
We do not represent every plan available in your area, and no agent does. Plan availability is set county by county, and regional insurers, provider-owned plans and local co-operatives sit outside the national names above. Holding appointments with every major carrier still leaves plans we cannot see.
For the complete list of what exists where you live, use theMedicare Plan Finder, call1-800-MEDICARE, speak to a free SHIP counsellor, or useHealthCare.gov. All free, all independent, all showing plans we cannot sell.
Licensing
- Registered office
- 30 N Gould St, Sheridan, Wyoming 82801
- Main line
- (866) 346-1635 · TTY 711
- Office hours
- Monday to Friday, 9:00am – 5:00pm ET
Insurance licensing is granted state by state, and we can only transact business where we hold a current licence. Ask us and we will tell you whether we are licensed in yours before anything proceeds. Licence and producer numbers are available on request, and you are entitled to verify them with your state department of insurance.
You may not need an agent at all
These services are free, independent, and will show you every plan in your area — including plans we cannot sell. If your situation is simple, they may be all you need.
- Medicare.gov Plan Finder — every Medicare Advantage and Part D plan where you live. Call1-800-MEDICARE, 24 hours a day, TTY 1-877-486-2048.
- Your State Health Insurance Assistance Program (SHIP) — free one-to-one Medicare counselling from people who sell nothing.
- HealthCare.gov — Marketplace plans and subsidy eligibility, plusfree local Navigators.
We list these because the alternative is you finding out later. If you call us and a free route fits better, that is what we will tell you.
Talk to a licensed agent, not a call centre
One agent handles your case from the first call. We'll walk your options and tell you plainly what we can and cannot see.
No obligation. We'll tell you if a free option through Medicare.gov or HealthCare.gov suits you better. Monday to Friday, 9:00am – 5:00pm ET.