Finding Your Starting Point: A Simple Guide to True North’s Insurance Services

Many people only realize how confusing insurance is when they actually need to use it. True North Associates LLC is designed to be a friendly “compass,” helping you figure out where to start based on your age, work situation, and health needs, with virtual support available in multiple states from its Maryland base.

 

Turning 65 or New to Medicare

If you’re approaching 65 or just becoming eligible for Medicare, True North helps you understand the enrollment timelines, penalties to avoid, and how Parts A, B, C, and D fit together.

We’ll also walk you through the pros and cons of Medicare Advantage versus Original Medicare with a supplement, comparing real costs, networks, and drug coverage so you can choose a path that fits your doctors, travel, and budget.

 

Gig workers, self‑employed, and under‑65

If you’re under 65 and buying your own coverage, True North can help you evaluate marketplace (ACA) plans, off‑exchange options, and situations where Medicaid or other programs might apply.

We also look at gaps like high deductibles and lost income risk, then suggest supplemental solutions—such as hospital indemnity or other add‑ons—that pair with your main plan instead of replacing it.

 

Already on Medicare and needing a review

If you already have Medicare, True North offers annual reviews to check whether your existing Medicare Advantage, Part D, or supplement plan still fits your medications, doctors, and budget.
We can also help you evaluate switches during allowed enrollment periods, using plan changes, new health needs, or cost increases as triggers to look at alternatives.

 

Helping parents or navigating between jobs

If you’re supporting aging parents or relatives, True North can help you understand their current coverage, identify gaps, and plan for upcoming transitions like retirement or moves to new states.

For people between jobs, we can compare COBRA, marketplace options, and short‑term strategies so you’re not uninsured while you figure out your next step.

 

How True North works nationwide

True North Associates LLC is based in Maryland but works virtually, serving clients in multiple licensed states so you can get help via phone or video rather than needing an in‑person office.
Our focus is on education and ongoing relationships, not just one‑time product sales, which is especially helpful if your situation is likely to change over the next few years.

 

If you see yourself in any of these situations—turning 65, gig/self‑employed, already on Medicare, helping family, or in a work transition—start by visiting our team’s Who We Serve section to find the category that fits you best.