More Experience. More Carriers.
Better Results.
Most agents show you two or three plans. I compare every available option across 40+ carriers — so you get the right Medicare coverage at the right price, with nothing left to chance.
A More Thorough Process Than Most Agents Offer
Full Intake
We sit down and go through everything — your medications, your doctors, your budget, any upcoming procedures — so I have the complete picture before I start comparing plans.
Complete Market Review
I compare every available plan in your zip code across 40+ carriers. Not just the popular ones — every single option, including plans most agents don't bother to check.
Cost Breakdown
I calculate what each plan will actually cost you for the year — premiums, copays, drug costs, deductibles, everything combined — so you can see the real numbers side by side.
Clear Recommendation
You get a straightforward recommendation with the full math behind it. You'll see exactly why one plan beats the rest for your situation — and you make the final call.
Plans I Help Clients With Every Day
Medicare Advantage (Part C)
Bundled plans that combine hospital, medical, and often drug coverage into one package. I check every plan’s network against your doctors, review the drug formulary for your medications, and compare the true out-of-pocket costs — not just the premium.
Medicare Supplement (Medigap)
Standardized plans that fill the gaps in Original Medicare. Since benefits are identical by letter, the only real difference is price and rate stability. I compare every carrier’s current rates and their history of increases so you get the best long-term value.
Part D Prescription Drug
Stand-alone drug plans that pair with Original Medicare and Medigap. I run your complete medication list through every available formulary to find the plan with the lowest total drug cost for the year — not just the lowest premium.
Annual Plan Review
Medicare plans change every year — premiums shift, formularies change, networks expand or shrink. I review every client’s coverage each fall to make sure you’re still on the best plan available. This is included at no cost.
How We Compare to the Typical Agent
| Typical Medicare Agent | Premier Medicare Advisors | |
|---|---|---|
| Plans Reviewed | 2–3 plans | Every available plan |
| How Plans Are Compared | Carrier preference | Full cost comparison |
| Drug Cost Review | Sometimes | Every medication checked |
| Annual Review | Rarely | Every client, every year |
| Cost to You | Free | Free |
| Independence | May be captive | Always independent |
Client Results
“Michael went through every plan in my area and found coverage that matched my doctors and medications for thousands less than I was paying. He was incredibly thorough.”
“I had no idea my Medigap premiums were so far above market. Michael showed me a side-by-side comparison and switching was painless.”
“For the first time, I actually understand what my plan covers and what it doesn’t. No surprise bills, no confusion at the pharmacy. That peace of mind is everything.”
Frequently Asked Questions
How is your process different from what I can do on Medicare.gov?
Medicare.gov shows you plan options, but it doesn’t show you the full picture. I go deeper — factoring in your specific medications at your preferred pharmacy, checking every doctor against every network, and adding up your real total annual cost across each plan. That’s the kind of homework most agents don’t do.
What do you mean by “total annual cost”?
It means I add up everything you’ll actually spend in a year under each plan: monthly premiums, deductibles, copays for your specific doctors, coinsurance for your expected services, and drug costs through every coverage phase. You get one number per plan so you can compare apples to apples.
Do you charge for your services?
No. My services are completely free to you. Insurance carriers pay me the same commission regardless of which plan you choose — so my recommendation is always based on what’s genuinely best for your situation, not what pays me the most.
How many carriers and plans do you compare?
I’m contracted with 40+ carriers and I review every plan available in your zip code. That includes Medicare Advantage, Medicare Supplement, and Part D plans from national and regional carriers. Most agents check two or three — I check them all.
What information do I need to bring to our meeting?
Your current medication list with dosages, the names of your preferred doctors and specialists, your preferred pharmacy, and any upcoming procedures or health changes you’re aware of. The more complete the picture, the better I can narrow down your best options.
Can you help if I’m already enrolled in a plan?
Absolutely. Many of my clients come to me mid-year for a plan review. While switching is usually limited to specific enrollment periods, I can tell you whether your current plan is still the best option and have a better plan ready for the next enrollment window.
What happens during the annual review?
Each fall before the Annual Enrollment Period, I re-check your coverage against the updated plan options. If your current plan is still the best fit, I’ll confirm that. If something better is available, I’ll show you exactly what changed and help you switch. This is included at no cost for every client.
Are you affiliated with any specific insurance carrier?
No. I’m completely independent. I have no ownership ties, production quotas, or incentive arrangements that favor any carrier. Every recommendation I make is based on what’s best for you, period.
Schedule Your Free Medicare Consultation
In a 30-minute consultation, I'll review your doctors, medications, and budget — then compare every available plan to find the best coverage at the best price.
Schedule My Free Consultation