Frequently Asked Questions

What is Medicare?

Medicare is a health insurance program for US citizens age 65 or older and younger people with disabilities. Note that people with permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig’s disease or ALS) may also be eligible for Medicare. 

Initial Enrollment: When is the best time to enroll in Medicare?

The initial enrollment period is a seven month window. Which is the month you turned 65, three months prior and three months after. 

What does Medicare cover?

Medicare covers inpatient hospital stays, outpatient medical services and most prescription drugs. Note that Medicare doesn't cover all your health care costs.

How do I enroll in Medicare?

You can enroll online by clicking this link: 
You can also call Social Security to make a phone appointment to enroll: 1-800-772-1213

Medicare 101

Our site is filled with educational videos and articles to help you with your Medicare journey, get started by clicking any of the buttons below.

We also prepared more videos for you! Just visit our YouTube Channel by clicking the link below:

Here are videos we've curated for you to get started!

Medicare Basics Explained!

Enroll in Medicare at 65?

Medicare vs. Retiree Benefits

What Age Can I Get Medicare?

We created a YouTube channel where you can ...

  • Watch short, 5-10 minutes educational videos on different Medicare topics.
  • Learn the basics of Medicare and
  • Understand your choices and options
  • Become Educated so you can make the BEST decision for your situation!

Are you 7 months or more away from turning 65?

Fill out the form by clicking the button below and receive more information about Medicare via email! 


Our first priority is helping you find the BEST Medicare plans that suits your needs and budget.   While our office is licensed with most of the Major A-rating insurance carriers in IL, we are not licensed with all carriers.   To see the entire list of carriers in IL, you can visit or call 1-800-Medicare. 

In most areas of Illinois, there are 16 PDP plans; our office is licensed to sell 15. There is only one company (Envision and the Elixir RX) that we do not represent.

For MAPD plans, there can be anywhere from 44 to 47 plans depending on what county you live in.  Our office is certified to sell 37 out of 47 MAPD plans; CB Health Insurance represents Aetna, Centene, HCSC (BCBS of IL), Humana, UnitedHealthcare/AARP, and WellCare.  We do not currently represent Molina (1 HMO only in certain counties), Zing (3 HMO plans), Devoted (2 HMO and 1 PPO), ClearSpring (2 HMO plans). We are getting certified to sell Cigna plans for the 2024 enrollment period. (They currently offer 5 plans.)