No. Working with our licensed agents costs you nothing. The carrier you enroll with compensates us your premium is the same whether you enroll through us, directly with the carrier, or through anyone else.

No. We're an independent agency representing many of the major Medicare carriers in the markets we serve. That means we can compare plans across carriers and recommend what actually fits your situation. We do not offer every plan available in your area see the disclaimer below for details.

Most people enroll during their Initial Enrollment Period the 7-month window around their 65th birthday. After that, the Annual Election Period (October 15 – December 7) lets most people change Medicare Advantage and Part D plans. There's also a Medicare Advantage Open Enrollment Period (January 1 – March 31) and Special Enrollment Periods triggered by life events. Call us and we'll tell you which window applies to you.

Medicare Advantage (Part C) is an all-in-one plan that replaces Original Medicare and often includes prescription, dental, and vision. Medigap (Medicare Supplement) works alongside Original Medicare to help cover the out-of-pocket costs Original Medicare leaves behind. Which is right for you depends on your doctors, prescriptions, travel patterns, and how much predictability you want in your costs. We'll walk you through the trade-offs.

No. Clarity65 is a service of TMS Insurance Brokerage, Inc., a private licensed insurance agency. We are not connected with or endorsed by the U.S. Government or the federal Medicare program.

To compare plans accurately, we'll ask for your ZIP code, the doctors you want to keep, your current prescriptions, and what you'd like your coverage to do for you. We do not need your Medicare number or Social Security number to give you a plan comparison. All sales calls are recorded as required by CMS rules.