If you are like every other person turning 65, the answer is YES. It seems confusing-and you will receive so much mail about all of the different plans it just makes it all that more difficult.

My name is Michael Golden. I am an independent insurance agent that helps people with Medicare and Medicare Supplement benefits, and have been doing so since 2007. I am also a Medicare Beneficiary (since 2012) so have the exact same concerns.

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I specialize in educating my clients about the different parts of Medicare (A, B, C, and D) and how everything works together.  I spend well over 100 hours each year updating my training as well as certifications to offer these products so am uniquely qualified to help you make the right decisions about your benefits as you enter into this new phase of your life.

I represent many insurance companies and work for my client, not the insurance companies. There is NO FEE for my services, ever, and you will always receive the lowest available rate (we are paid by the insurance companies from their marketing account, it does not affect your rate).

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There is a wealth of information on this site and I am available by phone (my Toll Free number rings directly to me, not an assistant, not a call center) or email to answer any questions as well as understand your needs and budget so you can make an informed, intelligent choice at this most important time in your life.

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If you are considering a Medicare Advantage plan (Medicare Part C) please be sure to visit our new Medicare Advantage page, it has detailed information about all of the plan available in your local area and is fully compliant with CMS (Center for Medicare Services) requirements.