medicare advantage Archives

Medicare Advantage & Medigap: What’s the Difference?

Posted on August 30, 2022 | by Your Co-Pilot

There are some healthcare costs that Original Medicare (Medicare Part A and Medicare Part B) won’t pay. To help with these, many Medicare users enroll in a Medicare Advantage Plan or Medicare Supplement Insurance policy (Medigap). However, you may not have both a Medicare Advantage Plan and Medigap at the same time. So if you want coverage beyond Original Medicare, you will have to make a choice.

Healthpilot can help. Healthpilot can search many of the Medicare Advantage and Medigap plans available in your area to find the right one for your specific healthcare needs. It’s fast, easy, secure, and all online. Now, here are the key differences between Medicare Advantage and Medigap.

Plan	Medicare Advantage	Medigap
What is it? Note: Medicare Parts A and B are required to have Medicare Advantage or Medigap.	Medicare Advantage includes all the services covered under Medicare Part A, and Part B. Learn the basics of Medicare here. Many plans cover routine dental care, vision care, and prescription drugs.	Medigap helps pay your share of medical expenses like co-pays, deductibles, and coinsurance after Medicare pays for services covered by Part A and Part B.
How does it work?	Your doctor sends the bill to your Medicare Advantage plan. The amount you pay for services (co-pays, deductibles, etc.) is set by your Medicare Advantage plan and approved by Medicare.	Your doctor sends the bill to Medicare. Medicare pays its share, then passes the rest of the costs to your Medigap plan for payment.
Cost	Low or no monthly premium. But you do have to pay cost-sharing (co-pays, deductibles, etc.). Note: You must still pay your Medicare Part B premium. Can be a great option for people who are primarily concerned about paying high premiums. Cost can change from year to year. Medicare Advantage Plans have an annual maximum out-of-pocket cost (MOOP) which limits the total amount of money you have to pay in a year for Medicare Part A and Part B.	Higher monthly premium than Medicare Advantage, but your out-of-pocket cost-sharing is very predictable. Medicare Supplement insurance plans and what they cover are fully standardized. (For example, one plan F covers the exact same things as another plan F from another carrier.) Can be a great option for people who are primarily concerned about paying high out-of-pocket costs if they get sick.
Drug coverage	Often includes a Medicare Part D Prescription Drug Plan. Convenience of one card for Medicare Parts A, B, and D.	Does not include drug coverage, but you can easily add a Medicare Part D Prescription Drug Plan.
Additional Benefits	May include routine dental and vision care, gym discounts, and reimbursement for medically necessary transportation.	Some Medigap plans cover care when you travel outside the U.S. While Medigap does not cover dental or vision care, some plans offer a dental or vision discount program. You can also purchase separate plans for these services.
Network	With HMO plans, you must use in-network doctors and choose a primary care physician. With PPO plans, you can see a doctor out of network but pay more. Seeing a specialist may require a referral.	More freedom of access. No primary care physician required. No networks. If your doctor takes Medicare, they will also take your Medigap plan.
When to Enroll Most people become eligible for Medicare three months before turning 65. If you are disabled, you can become eligible earlier.	You can enroll in Medicare Advantage during one of Medicare’s enrollment periods. Learn which enrollment period is right for you here.	The best time to get a Medigap policy is during your Medigap Open Enrollment Period (OEP). Your Open Enrollment Period starts when your Medicare Part B coverage goes into effect and ends six months later. If you apply for Medigap after your Open Enrollment Period, your premiums may increase, or you may be denied Medigap coverage completely due to your health status. These rules vary by state.

Ready to get your Medicare plan recommendation? Come to Healthpilot today!

New To Medicare? Here’s Why Everyone’s Talking About The Annual Enrollment Period

Posted on August 26, 2022 | by Your Co-Pilot

So you’ve heard of something called the Medicare Annual Enrollment Period (AEP). But what is it? You know it must be pretty important because you’re getting a whole lot of junk mail about it. And there’s a never-ending parade of fading TV stars and retired pro athletes selling some kind of Medicare plan during every commercial break. Clearly, this Annual Enrollment Period is important to somebody. The question is, why should it be important for you?

So what is the Annual Enrollment Period?

The Medicare Annual Enrollment Period takes place from October 15 to December 7 each year. It is most crucial for people who already have Medicare. But here’s why it matters to you. Your healthcare needs change from year to year, so do Medicare plans and what they cover. The Annual Enrollment Period is when you can adjust to those changes, maintaining your coverage and financial security year after year. So while you’re choosing your first Medicare plan, be aware that you will have the opportunity to make changes. Thanks to the Annual Enrollment Period, you’re not stuck with the same plan forever.

New to Medicare? Perfect timing!

If you’re just about to become eligible for Medicare and this is your first Annual Enrollment Period, congratulations on your perfect timing. Shopping for a Medicare plan used to take days, even weeks of research. Then you had to enroll in your plan by phone or fill out forms and send them in by mail, email or fax. Now there is a free website called Healthpilot that helps you find the right Medicare plan for your specific healthcare needs and enroll online in a matter of minutes.

Medicare Plan Basics.

Before we get into what you can do during the Annual Enrollment Period, here’s a quick breakdown of the types of Medicare plans.

Original Medicare.
Put simply, Original Medicare refers to Medicare Part A and Part B. Part A covers hospital care and services, while Medicare Part B covers physician services and other outpatient treatments.

Medicare Advantage.
Also known as Medicare Part C, Medicare Advantage is an “all in one” alternative to Original Medicare. This includes coverage from Medicare-approved private insurance companies. Medicare Advantage offers all the services covered under Part A  and Part B and may also include Medicare Part D prescription drug coverage, as well as extra benefits like dental and vision care.

Prescription Drug Plans.
Prescription Drug Plans, also known as Medicare Part D, are optional and offered to everyone with Medicare. You can get a prescription drug plan as a separate plan or bundled with a Medicare Advantage Plan.

Now, here’s what you can do during the Annual Enrollment Period:

Switch from Original Medicare to a Medicare Advantage Plan.
Switch from a Medicare Advantage Plan to Original Medicare.
Switch from one Medicare Advantage Plan to another.
Enroll in a Part D Prescription Drug Plan.
Switch from one Part D Prescription Drug Plan to another.
Leave a Part D Prescription Drug Plan.

Why shopping for plans during the Annual Enrollment Period is so important.

Even if you’re new to Medicare, it’s never too early to understand the importance of reviewing your options for Medicare plans every year. Why is it so important? Because things change.

Every year, you will receive an Annual Notice of Change letter listing any changes to your Medicare plan. Your coverage can change. Your premiums may increase. One or more of your doctors may no longer be in-network for your Medicare Advantage Plan. Your prescription drug plan may no longer cover the medications you need. You may have an opportunity to save money while keeping the same coverage. Or your healthcare needs may have changed, requiring you to seek better coverage for a new condition.

The Annual Enrollment Period is your best opportunity to explore your Medicare plan options and see if there’s a better plan for your specific needs. Unfortunately, too many of those eligible for Medicare don’t shop around for Medicare plans, missing out on potential savings.

Healthpilot makes Medicare (and the Annual Enrollment Period) easier.

If all this information is a bit overwhelming, don’t worry. Healthpilot is a free* website that makes finding the right Medicare plan — and having the right plan for your needs every year — a lot easier. If you find Medicare and the Annual Enrollment Period a little confusing (and who doesn’t?), you can make Medicare easier right now with Healthpilot.

You simply go to Healthpilot and answer a few questions — your zip code, doctors, and prescriptions. Next, Healthpilot recommends plans that offer the best coverage for your specific needs. Then you can compare plans and enroll in the Medicare plan that’s right for you without leaving Healthpilot.

Healthpilot makes it easy to understand plan details, benefits, and the true costs of each plan. There are no sales pitches and no pressure to buy any plan, ever. And, if a plan that may be better for you becomes available, Healthpilot will let you know. That helps you make sure you have the right plan year after year.

What the Annual Enrollment Period isn’t.

Let’s clarify one thing. This is not designed to be the first time you enroll in Medicare. There is already an enrollment period for that with an equally catchy name. The Initial Enrollment Period (IEP) is a 7-month period that starts three months before you turn 65 or first become eligible for Medicare Parts A & B and ends three months after.

About “Medigap.”

You may have heard of another kind of Medicare coverage called Medicare Supplement Insurance or Medigap. Medicare Supplement Insurance works alongside Medicare Parts A and B and helps pay your portion of medical expenses like copays, deductibles, and coinsurance. These policies are offered by private insurance companies to supplement Original Medicare coverage. Some Medicare Supplement Insurance policies also cover care when you travel outside the U.S.

It’s important to know that the best time to get a Medigap policy is during your Medigap Open Enrollment Period (OEP). Your Open Enrollment Period starts when your Medicare Part B coverage goes into effect and ends six months later. If you apply for Medigap after your Open Enrollment Period, your premiums may increase, or you may be denied Medigap coverage completely because of your health status.

Learn more about Medicare.

If you’re new to Medicare, Healthpilot can help you get caught up. Check out our Medicare Basics. It pays to have a basic understanding of the kinds of Medicare plans, the enrollment periods, and how to avoid higher premiums or penalties. But you don’t have to become a Medicare expert. Healthpilot can save you hours of research by zeroing in on the best available plans in your area for your specific healthcare needs. And if you’re getting close to the Annual Enrollment deadline of December 7, rest assured that with Healthpilot, you can quickly review plans, make your choice and enroll online.

*Healthpilot.com is free with no obligation to enroll. Healthpilot is not connected with or endorsed by the U.S. government or the federal Medicare program. Healthpilot.com is owned and operated by Healthpilot Technologies LLC, a licensed health insurance agency, also doing business as Healthpilot Insurance Services in the state of California. This is a solicitation of insurance.  

Financial Advisor’s Guide to Medicare Advantage & Medigap

Posted on January 7, 2022 | by Your Co-Pilot

Healthcare costs make up a large (and growing) portion of your clients’ annual expenses. But finding the right Medicare plan to protect your clients’ assets doesn’t happen by accident. As their financial advisor, you need to guide them.

The good news? You don’t have to be an expert to help them choose the right coverage. Healthpilot does that for you. After a referral from you, Healthpilot can search many of the Medicare Advantage and Medigap plans available to your client to find the right one for their healthcare needs. It’s fast, easy, secure and all online.

Consumers may not have a Medicare Advantage and a Medigap plan at the same time. So if your clients want coverage beyond Original Medicare, they will have to make a choice. Here are the key differences you need to know.

Plan	Medicare Advantage	Medigap
What is it? Note: Medicare Parts A and B are required to have Medicare Advantage or Medigap.	Medicare Advantage includes all the services covered under Medicare Part A and Medicare Part B. Learn the basics of Medicare here. Many plans cover routine dental care, vision care and prescription drugs.	Medigap helps pay your share of medical expenses like co-pays, deductibles and coinsurance after Medicare pays for services covered by Part A and Part B.
How does it work?	Your doctor sends the bill to your Medicare Advantage plan. The amount you pay for services (co-pays, deductibles, etc.) is set by your Medicare Advantage plan, and approved by Medicare.	Your doctor sends the bill to Medicare. Medicare pays its share, then passes the rest of the costs to your Medigap plan for payment.
Cost	Low or no monthly premium. But you do have to pay cost-sharing (co-pays, deductibles, etc.). Note: You must still pay your Medicare Part B premium. Can be a great option for people who are primarily concerned about paying high premiums. Cost can change from year to year. Medicare Advantage Plans have an annual maximum out-of-pocket cost (MOOP) which limits the total amount of money you have to pay in a year for Medicare Part A and Part B.	Higher monthly premium than Medicare Advantage but your out-of-pocket cost-sharing is very predictable. Medicare Supplement insurance plans and what they cover are fully standardized. (For example, one plan F covers the exact same things as another plan F from another carrier.) Can be a great option for people who are primarily concerned about paying high out-of-pocket costs if they get sick.
Drug coverage	Often includes a Medicare Part D Prescription Drug Plan. Convenience of one card for Medicare Parts A, B and D.	Does not include drug coverage, but you can easily add a Medicare Part D Prescription Drug Plan.
Additional Benefits	May include routine dental and vision care, gym discounts and reimbursement for medically necessary transportation.	Some Medigap plans cover care when you travel outside the U.S. While Medigap does not cover dental or vision care, some plans offer a dental or vision discount program. You can also purchase separate plans for these services.
Network	With HMO plans, you must use in-network doctors and choose a primary care physician. With PPO plans, you can see a doctor out of network, but pay more. Seeing a specialist may require a referral.	More freedom of access. No primary care physician required. No networks. If your doctor takes Medicare, they will also take your Medigap plan.
When to Enroll Most people become eligible for Medicare three months before turning 65. If you are disabled, you can become eligible earlier.	You can enroll in Medicare Advantage during one of Medicare’s enrollment periods. Learn which enrollment period is right for you here.	The best time to get a Medigap policy is during your Medigap Open Enrollment Period (OEP). Your Open Enrollment Period starts when your Medicare Part B coverage goes into effect and ends six months later. If you apply for Medigap after your Open Enrollment Period, your premiums may increase, or you may be denied Medigap coverage completely due to your health status. These rules vary by state.

Learn more about Healthpilot for financial advisors.

Let’s talk about what partnering with Healthpilot can do for your business. Email our Healthpilot Partner Success Team at [email protected].

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5 Reasons Your Medicare Plan Needs A Check-Up Every Annual Enrollment Period

Posted on October 20, 2021 | by Your Co-Pilot

Medicare’s Annual Enrollment Period (AEP) is here again, and, once again, too many Medicare users will make a big mistake — failing to use this opportunity to shore up their healthcare coverage, save money and protect their wealth. Fortunately, you don’t have to make that mistake.

The Annual Open Enrollment Period (October 15 to December 7) is the best time of year to review your Medicare coverage and make the changes you need. To take advantage of it, first, you need to understand all the changes you can make during this time. No other time of year offers so many possibilities.

Here’s what you can do during the Annual Enrollment Period:

Switch from Original Medicare to a Medicare Advantage Plan.
Switch from a Medicare Advantage Plan to Original Medicare.
Switch from one Medicare Advantage Plan to another.
Enroll in a Part D prescription drug plan.
Switch from one Part D prescription drug plan to another.
Leave a Part D prescription drug plan.

If you don’t give your plan a check-up in January you may discover that your current plan raised costs more than you expected or stopped covering one of your prescriptions. That’s why it’s so important to give your plan a check-up and shop Medicare plans every year. (If you’re feeling left out because you don’t even have your first Medicare plan yet, read “New to Medicare? Here’s why everyone’s talking about the Annual Enrollment Period.”)

Here are 5 reasons why your Medicare plan needs a check-up every year:

Medicare plans change every year.
Your Medicare plan can change a lot from year to year. Your premiums may increase. Your drug plan may introduce new medications and stop covering others. If you have Medicare Advantage, one of your doctors may move out-of-network. All sorts of changes are possible, so you need to be aware of them. Look for the Annual Notice of Change letter from your Medicare plan every year at the end of September. The letter will summarize all the changes to your coverage that will go into effect on January 1. Note: Medicare Supplement Insurance policies (Medigap) do not change from year to year. The coverage will remain the same as long as you hold the policy.

Your healthcare needs change, too.
The coverage you had last year may not be the coverage you need this year. Have you developed any new medical conditions since you enrolled in your last Medicare plan? Are you seeing any new specialists? Or have you successfully treated a condition so that it is no longer an issue? If so, consider whether your Medicare plan has given you what you need during these changes. The Annual Enrollment Period is the time to find out if there is a better plan for your current needs; just waiting for you to find it.

You could save a lot of money.
According to a study by the Kaiser Family Foundation, about half of those who used Medicare’s Annual Enrollment Period to explore their plan options cut their premiums by at least 5 percent. Don’t stand on the sidelines. You could be missing out on significant savings.

If you miss the Annual Enrollment Period, you may have to wait to make changes.
If you discover you are not happy with your drug plan after December 7, you may have to wait until October to switch to another drug plan. You may also have to wait until October if you want to enroll in a Medicare Advantage Plan.

There are lots of options out there now.
That’s a good thing. If your current plan doesn’t work for you anymore, you have plenty of alternatives to choose from. Here’s another good thing: you don’t have to sort through all those plans yourself. After all, we could be talking about dozens of Medicare plans, depending on where you live. Just go to Healthpilot and answer a few questions about how you use healthcare. Then we’ll search available plans and recommend a selection of plans that meet your specific healthcare needs.

Give your Medicare plan a check-up this AEP.

Medicare’s Annual Enrollment Period is a great opportunity to make sure you still have the right Medicare plan. But too many people pass up this opportunity and end up stuck with plans that are too expensive or don’t provide enough coverage. Make sure you aren’t one of them.

You can take full advantage of this enrollment period every year to make sure you have the right coverage, and you can do it in a matter of minutes. Healthpilot is a free website that makes it easier to shop for Medicare plans without any obligation to enroll. Our technology predicts what coverage you would get from each available plan and what it could cost. We look beyond copays and premiums to factor in things like deductibles and coinsurance, too. You can then review your estimated out-of-pocket costs and savings for each plan compared to Original Medicare, also known as Medicare Part A and/or Medicare Part B.

Once you choose a plan, you can enroll without leaving Healthpilot.com. And if you do enroll in your Medicare plan through Healthpilot, we’ll alert you if a plan that may be better for you becomes available.

Healthpilot.com is free with no obligation to enroll. Healthpilot.com is owned and operated by Healthpilot Technologies LLC, a licensed health insurance agency, also doing business as Healthpilot Insurance Services in the state of California. Healthpilot is not connected with or endorsed by the U.S. government or the federal Medicare program. This article is a solicitation of insurance.

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Healthpilot Creates First Intuitive, Online Shopping and Enrollment Experience for Medicare

Posted on October 5, 2021 | by Healthpilot Communications

New platform transforms how we research, compare and enroll in Medicare plans, increasing customer confidence now and in the future.

Nashville, TN, October 5, 2021 – Healthpilot is revolutionizing how Americans get their Medicare plans by offering an all-digital comparison, recommendation, and enrollment platform.

For the first time ever, consumers have a truly customer-first online option for shopping and enrolling in Medicare plans.

Paying for healthcare is a top concern for retirees. In fact, 47% worry about paying medical bills in retirement¹. But trying to identify which Medicare plan will give them the best coverage for their needs is an exhausting and frustrating process. As a result, many fail to do the comparison shopping necessary to find a plan that will give them adequate protection from high healthcare costs. According to Kaiser Family Foundation, 57% of Medicare enrollees do not review their coverage annually².

Now Healthpilot makes it quick and easy to compare Medicare plans, including Medicare Advantage Plans, Medicare Supplement Insurance, and Prescription Drug plans.

Here’s how it works. First, customers provide demographic information and answer a few questions about how they utilize healthcare.

Healthpilot uses that data to search thousands of health insurance claims to find people who use healthcare in a similar way. Healthpilot then predicts what coverage the customer would get from each available plan and what it would cost.

Next, Healthpilot delivers highly personalized recommendations for plans offering the best coverage for the customer’s needs, with no pressure to buy. Customers can compare plans side-by-side and enroll right on Healthpilot.

And Healthpilot is changing how Americans choose their Medicare plans in other ways, too.

When estimating costs, Healthpilot looks beyond copays and premiums, factoring in deductibles, coinsurance, and prescriptions to show the true cost of each plan.
Instead of treating doctor coverage as an afterthought, Healthpilot considers it a key element when recommending plans.
Prescription drug coverage, including difficult concepts like “the donut hole,” is communicated in plain language.
To help customers continue to have the right Medicare plan year after year, Healthpilot alerts them when a plan that could be a better option is found.

“The large and growing senior population in the US has been poorly served by the health care market to solve for one of the most basic and important life decisions they face in retirement – making sure they have the right Medicare insurance coverage for their health and economic needs,” explained David Francis, Healthpilot’s CEO. “The Healthpilot platform is built with each individual customer at the center of our mission – to make health care easy, efficient, and effective for every consumer. Healthpilot is transforming the healthcare experience of tens of millions of seniors to access the best insurance coverage and health care for each of them through our unique, easy-to-use, and confidence-inspiring digital platform.”

Talk to anyone who uses Medicare or cares for someone who does. They will tell you the way they search for Medicare plans today is crazy. Healthpilot has changed all that, saving seniors hours they once had to spend searching for a Medicare plan and making it easier to protect their savings from rising healthcare costs.

Find out more at www.healthpilot.com.

About Healthpilot

Healthpilot is a digital consumer engagement platform dedicated to making healthcare easy, efficient, and effective for every consumer. Through its proprietary technology, Healthpilot delivers a personalized, easy-to-use Medicare shop, compare and enroll experience that allows every consumer to build the confidence they need to enroll in the right Medicare plan for their specific health and economic needs each year. To learn more about Healthpilot, including links to follow them on social media, visit www.healthpilot.com.

SimplyWise Retirement Confidence Index, January, 2021. https://www.simplywise.com/blog/retirement-confidence-index
Kaiser Family Foundation “More Than Half of All People on Medicare Do Not Compare Their Coverage Options Annually, October, 2020. https://www.kff.org/medicare/issue-brief/more-than-half-of-all-people-on-medicare-do-not-compare-their-coverage-options-annually/

Medicare: How to find the right plan.

Posted on September 28, 2021 | by Your Co-Pilot

The way we shop for Medicare plans today is, in a word, nuts. You spend weeks, maybe months, researching Medicare online and making calls. Then, when you find a Medicare plan you want — whether because it’s the right one or because you just can’t search any longer — it takes more paperwork and phone calls to enroll. It’s time-consuming, it’s frustrating, and it can keep you from making the best Medicare choices.

Today, there is a faster, easier way to find a Medicare plan you can be confident in. Healthpilot is a free website that makes finding a Medicare plan easier by recommending the most optimal Medicare plans for your specific needs and letting you enroll in minutes. And there’s no sales pitch for any plan, ever. Medicare Annual Enrollment starts October 15 and runs until December 7. Now is the time to discover Healthpilot and learn more about your Medicare options.

First, Some Medicare Basics.

You don’t have to be a Medicare expert to use Healthpilot. But if you’re new to Medicare, learning a little about the program can help you choose the right plan.

Medicare is the health insurance program run by the federal government for adults aged 65 and older and for people with disabilities or certain health conditions. It helps people pay for hospital care, doctor visits, and prescription drugs. Medicare has various “Parts.” They are:

Medicare Part A covers hospital care and services. This includes coverage for in-patient hospital stays, care received in a skilled nursing facility or rehabilitation center, and more.

Medicare Part B covers physician services and other outpatient treatments such as x-rays, lab tests, and medical equipment like wheelchairs and walkers. Part B also covers preventive services.

Note: Together, Medicare Part A and Part B are often referred to as “Original Medicare.”

Medicare Part C, also called Medicare Advantage, is an “all in one” alternative to Original Medicare. This includes coverage from Medicare-approved private insurance companies. When you enroll in a Medicare Advantage Plan, you still have Medicare. These bundled plans include all the services covered under Part A and Part B, and may also include Medicare Part D coverage. Some Medicare Advantage Plans include extra benefits — such as routine dental, vision, and hearing exams that Original Medicare does not cover.

Medicare Part D helps pay for prescription drugs. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. It is optional and offered to everyone with Medicare. Part D prescription drug coverage is available through a standalone drug plan or through a Medicare Advantage Plan that includes drug coverage.

Medicare Supplement Insurance, also known as Medigap, helps pay your portion of medical expenses like copays, deductibles, and coinsurance. These policies are offered by private insurance companies to supplement Original Medicare coverage. Some Medicare Supplement Insurance policies also cover care when you travel outside the U.S.

When to Sign Up.

Most people become eligible for Medicare on the first day of the month they turn 65. To make a smooth transition from your employer plan to Medicare, you must sign up during the Initial Enrollment Period (IEP), which starts three months before you turn 65 and ends three months after. (If you are collecting Social Security, you will already be enrolled.)

If you want to keep working and stay on your employer’s health plan after 65, you can delay signing up for Medicare with no penalty. When you’re ready to leave your employer’s plan, you must sign up for Medicare during the Special Enrollment Period (SEP). This period starts the month after your employer coverage ends and lasts for eight months.

Medicare Annual Enrollment Period (AEP).

AEP occurs annually from October 15 to December 7. During this time, you can join a Medicare Advantage Plan or leave a Medicare Advantage Plan and get Original Medicare or switch to a new Part D prescription drug plan.

If you want to enroll in a Medigap policy, you can do so at any time of the year.

Medicare Plans Have Costs, Healthpliot Doesn't.

There is no premium for Medicare Part A if you have paid Medicare taxes for at least 10 years (40 quarters). If not, you will have to pay a monthly premium. Medicare Parts B and D and Medigap policies require monthly premiums. Medicare Advantage Plans (Part C) have costs, but these may or may not take the form of a monthly premium. If you have a high income, you may be subject to IRMAA (income-related monthly adjustment amount) surcharges.

Healthpilot is free to use. When you enroll in a Medicare plan through Healthpilot, we receive a commission from the plan provider.

Make Medicare Easier with Healthpilot.

Medicare isn’t one-size-fits-all. There are different types of plans, a choice of insurance carriers, and flexibility about when you can enroll. But having all those choices doesn’t have to be overwhelming. Healthpilot is a free* website that uses smart technology to assess your healthcare needs, then recommends a variety of Medicare plans in your area to meet those needs. It’s so easy to use. You can shop Medicare plans, select a plan and enroll in about 15 minutes. Plus, help is available at any time by phone or chat.

Unbiased recommendations.

Most Medicare brokers rely on their “gut” for plan suggestions. Healthpilot recommends plans based on facts about how you and others like you use and pay for healthcare. While Medicare brokers often represent a single company and one or two plans, Healthpilot has no bias in favor of any plan, ever.

Free service with no additional plan cost.

Healthpilot is free. You pay the exact same price for your Medicare plan whether you enroll through Healthpilot, another broker, or the insurance company.

The right plan this year and every year.

Healthpilot evaluates plans each year to confirm you are always in the right Medicare plan. Healthpilot will alert you if your coverage changes or if a plan that could be better for your needs becomes available.

Ready to find a Medicare plan without going crazy? Shop Medicare plans on Healthpilot. Or learn more about your Medicare options.

*Healthpilot.com is free with no obligation to enroll. Healthpilot.com is owned and operated by Healthpilot Technologies LLC, a licensed health insurance agency, also doing business as Healthpilot Insurance Services in the state of California.  Healthpilot is not connected with or endorsed by the U.S. government or the federal Medicare program.  This email is a solicitation of insurance.

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