Compare Medicare Coverage Options With a Licensed Agent
Answer a few questions and we'll connect you with a licensed insurance agent who can walk you through the Medicare plans available in your area. No cost. No obligation.
Prefer to talk it through?Call us at (833) 690-5085 (TTY 711) and we'll match you with a licensed insurance agent in your area.Mon–Fri, 9:00 AM–9:00 PM ET
Get Started — See Your Options
One short form — takes about a minute. A licensed agent will review the plans available in your area.
Three Steps
- STEP 01
Tell us the basics
Share your ZIP code, age range, and current Medicare status.
- STEP 02
Connect with a licensed agent
We'll match you with a licensed insurance agent in our network who can answer questions about the plan types available where you live.
- STEP 03
Decide on your own timeline
Review the options with your agent. Enroll if a plan fits your needs — or don't. There's never any obligation.
Types of Medicare Coverage
Medicare coverage comes in several forms. Here's a general overview. A licensed agent can explain which of these are available in your area and how they compare.
Original Medicare (Part A and Part B)
Part A generally covers inpatient hospital care. Part B generally covers outpatient medical services. Original Medicare is administered by the federal government.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans provide your Part A and Part B coverage and may include additional coverage. Plan availability and specifics vary by county.
Medicare Prescription Drug Coverage (Part D)
Part D helps cover the cost of prescription drugs. It's available as a standalone plan or as part of certain Medicare Advantage plans.
Medicare Supplement (Medigap)
Medicare Supplement policies are sold by private insurance companies to help pay some of the costs Original Medicare doesn't cover. Medigap policies work alongside Original Medicare.
Special Needs Plans (SNPs)
Special Needs Plans are a type of Medicare Advantage plan designed for people who meet specific eligibility criteria, such as those who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
When You Can Enroll
Medicare has specific windows for enrolling in or changing coverage. A licensed agent can help you determine which applies to your situation.
Initial Enrollment Period (IEP)
A seven-month window around your 65th birthday — the three months before the month you turn 65, your birthday month, and the three months after.
Annual Enrollment Period (AEP)
October 15 through December 7 each year. During AEP you can join, switch, or drop a Medicare Advantage or Part D plan. Changes generally take effect January 1.
Medicare Advantage Open Enrollment Period
January 1 through March 31. If you're already enrolled in a Medicare Advantage plan, you may switch to a different Medicare Advantage plan or return to Original Medicare.
Special Enrollment Periods (SEP)
Certain life events — such as moving, losing other coverage, or changes in Medicaid eligibility — may qualify you for a Special Enrollment Period outside the windows above.
Under 65 with a disability
People under 65 may become eligible for Medicare after a qualifying period of Social Security Disability Insurance benefits, or upon diagnosis of certain conditions.
Straightforward, either way
Licensed agents only
Every agent we work with is licensed to sell insurance in the state where they're helping you.
No cost to you
Our service is free to use. You are never charged for speaking with an agent.
No obligation
You're never required to enroll in anything. Comparing options costs you nothing.
Your information stays protected
We handle your information according to our Privacy Policy and applicable privacy laws.
Frequently Asked Questions
Is OptimalHealthChoices part of Medicare or the government?
Does it cost anything to use this service?
Will I be enrolled in a plan automatically?
Do you offer every Medicare plan available?
What if I change my mind about being contacted?
I'm under 65. Can I still use this?
Disclosures
Important information about this website, the agencies we work with, and your privacy rights.
Multi-plan disclaimer
We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Plan type and contract renewal
Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS] organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.
Non-discrimination
Poshnee Tech LLC does not discriminate on the basis of race, color, national origin, disability, age, sex, or religion.
Enrollment period limitation
Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period or are in your Medicare Initial Election Period.
Solicitation and government affiliation
This is a solicitation for insurance by Poshnee Tech LLC, a private entity that connects Medicare-eligible individuals with licensed insurance agents who can help them understand and compare Medicare Advantage, Special Needs Plan, and related coverage options available in their area. Poshnee Tech LLC and the licensed agents it works with are not connected with or endorsed by the United States government or the federal Medicare program. Not all agents are licensed to sell all products in all states. Not all plans are available in all areas.
Website data collection
By using this website, you consent to the real-time collection, storage, use, and share of information on your device, or provided by you (such as mouse movements and clicks) for OptimalHealthChoices.com / Poshnee Tech LLC and/or its third-party providers. See our Privacy Policy and Terms & Conditions for more information. You also understand that we will assist in plan shopping by connecting you with a third-party Licensed Insurance Agent.
Privacy rights
We are committed to protecting your privacy. If you are a resident of a state that provides these rights, you may opt out of the sale or sharing of your personal information. Please visit Do Not Sell or Share My Personal Information or see our Privacy Policy for more details.
