Medicare Guidance for Seniors & Families
Medicare can feel like a maze, especially when the stakes are your health, finances, and peace of mind. Many people worry about missing deadlines, making costly mistakes, or choosing the wrong plan for their needs. At True North Associates, we guide you through every step—simplifying complex choices and giving you clear, unbiased direction whether you’re turning 65, reviewing options, or helping a loved one. You don’t have to figure this out alone.
Understanding Your Medicare Options
Navigating Medicare starts with understanding your choices. Original Medicare covers hospital (Part A) and medical (Part B) expenses, but most people need additional coverage. You can add a Medicare Supplement (Medigap) plan and a stand-alone Prescription Drug (Part D) plan, or choose a Medicare Advantage (Part C) plan that bundles everything together. Each option has pros, cons, and eligibility requirements—True North Associates breaks it down in simple terms so you know exactly where you stand.
How We Help With Medicare Planning
Plan Selection & Comparison
Every situation is different—so we compare Medicare Advantage, Medigap, and Part D plans based on your doctors, prescriptions, and budget. You get a clear breakdown of your best options, including real trade-offs and savings.
Enrollment Assistance
Whether you’re enrolling for the first time at 65 or considering a plan change, we walk you through sign-up periods, paperwork, and special enrollment situations—so you never miss a deadline or step.
Annual Plan Reviews
Medicare rules and plans change every year. We review your coverage annually, help you evaluate your Part D formulary, and adjust your strategy so your needs are always covered.
Why Work With an Independent Medicare Adviser?
Choosing an independent adviser means your interests always come first. True North Associates represents multiple carriers, not just one company—so every recommendation is tailored to your needs and not driven by quotas or commissions. All guidance is built around transparency and education, and most Medicare enrollments come at no additional cost to you as the client. If you ever want completely unbiased advice (without product recommendations), you can choose a consulting-only session for a flat fee.
Licensed and Experienced Across States
No matter where you live, Medicare rules and plan availability can vary. True North Associates is licensed in Maryland, Delaware, Pennsylvania, Virginia, DC, New York, New Jersey, Florida, North Carolina, South Carolina, West Virginia, Ohio, Michigan, Minnesota, Oregon, Utah, and Montana—with fast licensing available elsewhere as needed. You’ll benefit from both national plan access and local knowledge, including state-specific rules like Maryland’s “Birthday rule” for Medigap changes. All support is available by phone or virtual meeting, so you get clear guidance wherever you are.
Your Medicare Questions, Answered
What’s the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage plans usually have lower premiums and include extra benefits but use networks of specific doctors and hospitals. Medicare Supplement (Medigap) plans have higher premiums but let you see any provider who accepts Medicare, and you don’t need referrals.
When can I enroll or change my Medicare plan?
You can sign up when you first become eligible at 65 (Initial Enrollment), during the Annual Election Period each fall, or in Special Enrollment situations—like moving or losing other coverage.
How much does it cost to consult with you on Medicare?
Most Medicare guidance and enrollments are provided at no cost to you, since we’re a licensed agent. If you want a fee-only, consulting-only review, we also offer that for a flat rate—no product required.
Can someone help me compare Medicare Advantage and Medigap?
Yes—plan comparison is a core service. We’ll review your doctors, medications, and budget to find the best fit, with full transparency.
Who can I talk to about Medicare in my state?
True North Associates supports clients across 17 states and can obtain licensure in new states quickly. With virtual meetings and deep knowledge of local rules, you get relevant answers wherever you live.
Ready to Find Your Medicare Plan?
When you’re ready to stop guessing and start feeling confident about your coverage, schedule a Medicare guidance conversation today. You’ll get clear next steps, a real answer to every question, and support built around your needs and location—whether you’re in Maryland, Florida, New York, Pennsylvania, Virginia, or anywhere in our service area.
