Get Unbiased Medicare Advantage Help
Understand your Medicare Advantage options with no obligation to enroll, unbiased guidance from licensed insurance agents.
Call to Get Your Questions Answered
(800) 530-1856 (TTY: 711)
Hours: Monday to Sunday 8am-8pm, EST
A Licensed Insurance Agent will answer your call
Feeling Overwhelmed by Medicare Advantage Choices?
For many older Americans, navigating the Medicare system feels like wandering through a maze without a map. With multiple parts, enrollment periods, and countless plan options, it's easy to feel lost or make costly mistakes.
Our licensed insurance agents provide free, unbiased guidance to help you understand your options and make informed decisions about your healthcare coverage. We'll take the time to explain everything in plain English—no insurance jargon, no obligation to enroll.
No Obligation
Free consultation with no pressure to enroll
Licensed Experts
Guidance from certified licensed insurance agents
Plain English
Clear explanations without confusing jargon
Understanding Medicare's Different Parts
Medicare can seem complex, but breaking it down into its core components makes it easier to understand. Our licensed insurance agents can explain how these parts work together and which combination might be right for your specific healthcare needs and budget.
Original Medicare (Parts A & B)
Part A covers hospital stays, skilled nursing care, and home health. Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
Medicare Advantage (Part C)
These plans combine Part A and B, often including prescription drugs (Part D) and additional benefits.
Prescription Drug Plans (Part D)
These plans help cover prescription medication costs. You can add a standalone Part D plan to Original Medicare or choose a Medicare Advantage plan that includes drug coverage.
Medicare Supplement (Medigap)
These policies help pay some healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles, reducing your out-of-pocket expenses.
Enrollment Periods: When Can You Sign Up?
Understanding these Medicare enrollment periods is crucial. If you miss a certain timeframe, you may have to wait until the next enrollment period to make changes, and in some cases, you could face late enrollment penalties. Licensed insurance agents are available to explain these enrollment periods and help you understand your options.
1
Initial Enrollment Period
Your 7-month period beginning 3 months before the month you turn 65, includes your birth month, and extends 3 months after. Missing this period could result in permanent penalties.
2
Annual Enrollment Period
October 15 to December 7 each year. You can join, switch, or drop a Medicare Advantage Plan or prescription drug coverage for the following year.
3
Medicare Advantage Open Enrollment
January 1 to March 31 each year. If you're enrolled in a Medicare Advantage Plan, you can switch to a different one or return to Original Medicare.
4
Special Enrollment Periods
Available in specific situations like moving, losing other coverage, or qualifying for additional benefits. Our agents can explain if you qualify.
Finding a Plan That Fits Your Healthcare Needs
Our licensed insurance agents can help you compare plans based on your specific healthcare needs, preferred providers, and budget constraints. We'll help you understand the true costs beyond just the monthly premium.
01
Network Coverage
Are your doctors and preferred hospitals in-network?
02
Prescription Coverage
Are your prescription medications covered?
03
Cost Analysis
What are the monthly premium, deductible, and copayment amounts?
04
Additional Benefits
Are there additional benefits like fitness memberships or telehealth?

Important: Consider all factors when choosing a plan. The lowest premium doesn't always mean the best value for your specific healthcare needs.
Ready to Get Your Medicare Questions Answered?
Our licensed insurance agents are ready to provide the clear, unbiased guidance you need to make informed Medicare decisions. There's never any obligation to enroll.
Call Now:
1(800) 530-1856 (TTY: 711)
Hours:
Monday to Sunday
8am-8pm, EST
A Licensed Insurance Agent will answer your call
Disclaimers
VitalCareWorks Disclaimers
General Disclaimer:
Not all plans offer all of the benefits described. Benefits may vary by insurance carrier and service area. Limitations and exclusions may apply.
We do not offer every plan available in your area. Currently, we represent [27] organizations that offer [194] plans in your area. For information on all of your options, please visit Medicare.gov, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), or contact your local State Health Insurance Program (SHIP).
Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply. Allowance benefits vary by plan, insurance carrier, and geography.
We represent MA, MAPD And PDP Plans For [Humana], [UnitedHealthcare®], [Aetna], [HealthSpring℠], [Wellcare], [Anthem BCBS], [Zing], [Blue Cross Blue Shield of Michigan], [Molina Healthcare], and [Kaiser Permanente]
Third-Party Marketing Organization (TPMO) Disclaimer:
VitalCareWorks is a licensed third-party marketing organization (TPMO). We are not a government agency and are not affiliated with the U.S. government or the federal Medicare program. By contacting us, you may be connected with a licensed insurance agent, and you may be contacted by one or more Medicare-contracted carriers. There is no obligation to enroll.
Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in a plan depends on contract renewal.
FCS Disclaimer:
Participating sales agencies represent Medicare Advantage HMO, PPO, and PFFS organizations as well as stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
SSBCI Disclaimer (Special Supplemental Benefits for the Chronically Ill):
The benefits referenced may be part of a Special Supplemental Benefits for the Chronically Ill (SSBCI) program. These benefits are available only to eligible members who have certain qualifying chronic conditions, such as:
  • Diabetes mellitus
  • Cardiovascular disorders
  • Chronic and disabling mental health conditions
  • Chronic lung disorders
  • Chronic heart failure
This is not a complete list of qualifying conditions. Having a qualifying condition alone does not guarantee receipt of the benefit(s). Additional requirements and eligibility rules may apply.
Humana-Specific SSBCI Disclaimer:
For Humana plans only: Programs such as [Spending Allowance] [Extra Debit] [Chronic Condition Care Assistance] [Music Therapy] are available as part of Humana’s SSBCI offerings for members with qualifying chronic health conditions.
Qualifying conditions may include (but are not limited to):
  • Diabetes mellitus
  • Cardiovascular disorders
  • Chronic and disabling mental health conditions
  • Chronic lung disorders
  • Chronic heart failure
Some Humana plans may require members to have at least two chronic conditions to qualify, and additional requirements may apply. Please refer to the plan’s Evidence of Coverage (EOC) for details.
If the benefit is used for rent or utilities, the Department of Housing and Urban Development (HUD) requires it to be reported as income for individuals seeking housing assistance. Members should contact their local HUD office for further guidance.
SMID: MULTIPLAN_CFX2026_WEB_VCWLP02_C
VitalCareWorks (VCW), located at 1309 Coffeen Avenue, Suite 1200, Sheridan, WY 82801, is a Third-Party Marketing Organization (TPMO). VitalCareWorks conducts advertising and marketing for insurance products. VCW is not a government agency and has no affiliation with the U.S. Government or Medicare.