Most Common Medicare Mistakes

Most Common Medicare Mistakes text overlaying image of a older man worried Medicare is the nation’s health insurance program for seniors 65 and older. It also provides coverage for younger people who meet specific eligibility criteria. Medicare Parts A, B, C, and D cover a large variety of your major medical expenses. It’s a great program but it can be difficult to read through all of the plans, options, and rules. This can make it difficult to choose the right plan on time. Below we’ve outlined some of the most common Medicare mistakes so you know what to avoid and not wind up with penalties, coverage delays or gaps.

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Signing Up Late

Medicare has specific deadlines to enroll. Your Initial Enrollment Period (IEP) happens when you first become eligible for Medicare. It starts 3 months before your 65th birthday, including your birth month, and then ends 3 months after you turn 65. This gives you 7 months to enroll. If you’re receiving Social Security benefits then you will be automatically enrolled and you don’t have to do anything or worry about the deadlines, Social Security handles enrollment for you. However, if you are not automatically enrolled you have to apply yourself during your IEP. If you miss the IEP you do have another opportunity between January 1st and March 31st called the General Enrollment Period (GEP).


Missing these enrollment periods is one of the most common and costly mistakes people make. If you miss both enrollment periods you can face late enrollment penalties for Medicare Parts A, B, and D. It’s important to note that there is a way to avoid these penalties. If you qualify for a Special Enrollment Period (SEP) then you will be able to enroll in Medicare penalty free with all the same benefits as when others enroll during the IEP. 

SEP Types

  • Qualifying life event – If you have a qualifying life event then you qualify for a 2-month SEP where you have 2 months to enroll in Medicare. The most common qualifying events are:
    • You moved out of your current plan’s service area
    • Your plan no longer serves the area you are in
    • If you decide to switch from Medicare Advantage to Original Medicare within 12 months of enrolling in the Medicare Advantage plan.
    • You move into or out of a facility such as a nursing home
    • If you’ve lost Medicaid eligibility 
  • Working past 65 – If you decide to continue working past 65 and have creditable coverage through your or your spouse’s employer’s health plan then once you leave your job you will open an 8-month SEP. This SEP does have a stipulation, if you want Part D you have to enroll in it within the first 2 months of your 8 month SEP, otherwise you still face penalties. Your 8 months begin the day you no longer have credible health coverage.

Medicare Part A Penalty

Some people qualify for Part A premium-free. If you’ve worked and paid into Social Security and Medicare taxes for at least 40 calendar quarters, then you are eligible for Railroad Retirement benefits (RRB), or have a spouse that qualifies for premium-free Part A then you will get Part A for free. However, if you don’t and have to pay for Part A, then you can face a 10% increase on your premium for missing the IEP. This penalty stays with you for twice the number of years that you were eligible and didn’t sign up. For instance, if you were eligible for Part A for 3 years and did not enroll, you’ll have the penalty for 6 years.

Medicare Part B Penalty

If you miss your enrollment period and don’t qualify for an SEP, you will face a Part B penalty. This penalty is a 10% increase for every year you did not sign up. For example, say you waited 2 years to enroll. You’re looking at a 20% increase in your premium, 10% for each of the 2 years you delayed. The standard Part B premium for 2023 is $164.90, plus adding the 20% will bring your premium up to $197.88 which will be rounded up to the nearest $.10, making it $197.90 for part B. That’s $32.98 extra every month that you could have saved by enrolling on time. Now that might not seem like a lot, but if you look at it on a yearly basis that is $395.76 a year!

Medicare Part D Penalty

The amount of the penalty depends on the length of time that you did not have Part D or a creditable prescription drug plan. Medicare determines the penalty amount by multiplying 1% of the national base beneficiary premium ($32.74 in 2023) by the number of full months you went without drug coverage. The penalty amount is then rounded to the nearest $.10 and added to your monthly premium. The national base beneficiary premium can vary from year to year, so your penalty will change with it.


For example, say you waited 14 months to enroll in Part D and didn’t have creditable drug coverage for any of that time. You’ll have to pay a 14% penalty. For 2023 that would be $4.58 rounded up is $4.60 extra on your premium.


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Assuming Spouse Coverage

Assuming your spouse is covered by Medicare because you have it or vice versa is a big mistake. It could leave you or your spouse without insurance. Medicare doesn’t work the same as an employer group plan. Meaning it won’t cover your family, it only applies to the individual who enrolls. If you worked and paid your Medicare taxes for the last ten years then at most your spouse who is 65 will be eligible for premium-free Part A. If your spouse is under 65, they need to find their own coverage elsewhere, such as a plan from the Health Insurance Marketplace, their own group plan, or COBRA. Additionally, if your spouse is under 65 they still may be eligible under certain conditions. Medicare is available to anyone who receives Social Security Benefits for at least 24 months, has End-Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS).

Not Weighing Your Options

There are many options to choose from with Medicare. There’s Original Medicare, Medicare Advantage, and Medicare Supplement Plans. It’s important that you know the differences and their benefits. If you make the mistake of not weighing your options you can leave yourself with large gaps in your coverage or end up paying far more than you need. Below we’ve outlined these plans to give you a starting point.

Original Medicare

Original Medicare, also known as traditional Medicare, consists of only Parts A and B. Medicare Part A is hospital insurance, and it covers hospital inpatient care and skilled nursing facility care. Part A coverage typically includes the following:


  • Semi-private hospital rooms
  • Hospital meals
  • Inpatient lab tests and X-rays
  • Operating room and recovery room services
  • Drugs and medical equipment used while in the hospital or skilled nursing facility
  • ICU care
  • Skilled nursing services
  • Hospice care

Part B of Medicare covers your general medical expenses. Such as doctor’s visits, urgent care, and specialists. Typically Part B covers:


  • Doctor visits and services
  • Some preventative screenings and services
  • Ambulance services
  • Outpatient surgery services
  • Mental health care
  • Some durable medical equipment
  • Some medically necessary tests such as X-rays, MRIs, CT scans, and EKGs

Medicare Advantage

Medicare Advantage, commonly known as Part C, is a type of Medicare plan that is offered by private insurance companies. These companies have a contract with the Medicare program that ensures the plans they offer comply with Medicare’s regulations. Medicare pays a set amount to the insurers for each participant enrolled in the plan. Additionally, you will pay your medical bills directly to your insurance company while your insurance provider must follow Medicare’s regulations. They are allowed to set their own rules for out-of-pocket expenses as well as decide if you need a referral to see specialists.

Medicare Supplement Plans

Medicare Supplement Plans are plans that you can buy to supplement your Original Medicare. These plans fill in any gaps in coverage, ensuring you get the most coverage for all the medical needs you specifically have. You do have to pay a monthly premium for these plans, and you must enroll in both Part A and Part B to be eligible for a Medicare Supplement Plan. However you may end up paying less than you would overall with your Original Medicare because Medicare Supplement Plans all have benefits that cover a lot of the out-of-pocket costs for Part A and B. One of the biggest advantages with Medicare Supplement is the variety. There are 10 plans to choose from and all of them cover different benefits at different amounts. It’s important you look through these plans and compare to tailor your coverage specifically to what you need.

Working With EZ

In order to save as much as possible during your Medicare journey, it’s important to keep all of these mistakes in mind. You can rely on EZ if you have any questions or need help choosing your plans. Whether you’re looking for help enrolling, or just need some information. Give us a call today at 877-670-3608 to speak to your own Medicare Agent or you can get free instant quotes by entering your zip code in the box below.

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Medicare Myths Debunked

medicare myths debunked text overlaying image of wooden blocks spelling out the words myths and factsYour Initial Enrollment Period (IEP) is an important time if you’re considering your Medicare options. It’s natural that everyone has their own opinions regarding Medicare and the best coverage. While advice from family and friends can be helpful, when it comes to Medicare, there are a lot of myths passed around. Maybe you’ve come across information on social media or in conversation and wondered “Is that really true?”. You deserve accurate information about your coverage options so we’ve compiled a list of 10 common myths that we’d like to debunk for you.

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Medicare Myths

1.Medicare is free.

There’s a misconception that since Medicare is a government benefit, seniors don’t have to pay for it because it has already come out of their taxes. While that would be great, it’s unfortunately not entirely true. Medicare Part A, or hospital coverage, doesn’t have any premiums. That is as long as you have paid your Medicare taxes for at least 40 calendar quarters. Even so, you still have a deductible and copays. So that part of the myth is kind of true. 


However, Part A is the only Medicare product with no premium. Part B, medical coverage, has a monthly premium of $164.90 as of 2023. It’s important to note that the premiums are adjusted annually, meaning some years they increase and some years they’ll decrease. These premiums might also be higher for enrollees with higher income. The good news is that if you’re on Social Security, your Part B premium can be paid directly from those benefits, so while you may not be paying directly out of pocket, you are still paying for it. Additionally, if you choose the Medicare Advantage route you may also have to pay a monthly premium.

2. Medicare covers all healthcare costs.

Medicare does cover a large portion of your healthcare but not everything. Between Part A and Part B most of your hospital and basic medical expenses are covered. 

This includes:


  • Hospital care
  • Skilled nursing facilities 
  • Hospice
  • Lab tests
  • Surgeries
  • Home health care
  • Doctor visits
  • Outpatient care
  • Durable medical equipment
  • Some preventative services

 Even with the services it does cover you are still responsible for deductibles, coinsurance, and copays. As you can see there are still several services that you may need that aren’t covered. Such as hearing, vision, and dental care. There is also no prescription drug coverage in Original Medicare (Part A and B). Typically to get those things covered most people will enroll in Medicare Advantage, Medicare Part D (prescription drug coverage), or a Medicare Supplement Plan. Any of those options do provide coverage for the gaps in your Medicare coverage.

3. You are automatically enrolled in Medicare.

This is another myth that is only partially true. If you have been receiving Social Security benefits or Railroad Retirement Board Benefits (RRB) for at least 24 months after you turn 65, then you will automatically be enrolled in Medicare Part A and B. Be aware that even after automatic enrollment, you are responsible for enrolling yourself in either Medicare Advantage, Medicare Part D or any Medicare Supplement Plans. 


Now, if you’re not receiving Social Security or RRB, then enrolling is entirely up to you. The best thing to do is to enroll during your IEP, which will begin 3 months before you turn 65 and will end 6 months after your 65th birthday. 

4. I can enroll in Medicare at any time.

This is completely false and can be one of the most detrimental myths to believe. If you don’t enroll during your IEP, you can face enrollment restrictions as well as a penalty. You will then have to wait for the next eligible enrollment period, which is known as the General Enrollment Period (GEP). The GEP lasts from October 15th to December 7th every year. The penalty for waiting is a premium increase of 10% for twice as many years that you were eligible and did not enroll. To make that simpler, If you did not enroll in Part A for 2 years after your IEP then the penalty would apply to your premium for the next 4 years. For Part B, the increase only lasts for the amount of time you did not enroll, so it would only apply for those first 2 years.


Now having said that, another way that you can avoid these penalties, aside from applying on time, is if you qualify for a Special Enrollment Period (SEP). To trigger an SEP you would have had to still be working and have credible health coverage through your employer or through your spouse’s employer during your IEP. Once you leave your job or lose the group plan coverage, you then have 8 months to enroll without penalty. Another way you can get an SEP is if you are under 65 and eligible for Medicare due to illness or disability, but have health insurance through a caregiver or spouse’s employer-sponsored health insurance. However, this only applies if their company has at least 100 employees.


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5. Medicare costs the same for everyone.

While Medicare offers the same benefits to everyone, the cost is not universal. How long you worked and paid Medicare taxes, as well as your gross income determine your premiums and deductibles. The more you make, the more you will end up paying just like with regular health insurance. Additionally enrolling in Medicare Advantage, or Part D, or any Medicare Supplement Plans will change how much you pay for Medicare. So it varies greatly from person to person depending on their specific circumstances.

6. I can only enroll if I’m healthy.

This is a huge myth, Original Medicare cannot deny your coverage due to illness or a pre-existing condition due to implementation of the Affordable Care Act. If you have certain medical conditions like End-Stage Renal Disease (ESRD) or ALS, you are eligible for Medicare even if you aren’t 65 yet. Once you turn 65 or retire you are eligible for Medicare Parts A and B, period. Also,there are no penalties or premium increases for pre-existing conditions. If you have certain medical conditions like End-Stage Renal Disease (ESRD) or ALS, you are eligible for Medicare even if you aren’t 65 yet. 

7. Medicare Advantage and Medicare Supplement Plans are the same thing.

This is not true at all. They are similar in that private companies offer them but they are entirely different. Medicare Advantage is an alternative to Original Medicare. It may include prescription drug coverage. Medicare Supplement Plans are additional coverage you can buy to fill in the gaps left by your Original Medicare. Additionally, you can buy one or the other but not both. 

8. Medicare doesn’t have as many options.

You may believe that Medicare is a one-size-fits-all program because it’s a government program. However, this is another one of those pesky Medicare myths. Medicare typically provides significantly more health insurance options than your employer’s group coverage. Whereas you may have had only a few plan options to choose from when enrolling in employer coverage, Medicare provides you with dozens of options. Medicare allows you to tailor your coverage to your specific needs.

9. Medicare will notify me when it’s time to enroll.

Obviously you don’t want to be late enrolling in Medicare. Nobody wants to have a penalty added to their premium. Unfortunately, Medicare does not give you an enrollment reminder when it’s time for you to enroll. The good news is that if you have Social Security Benefits or RRB before you’re 65, you will automatically enroll in Medicare Parts A and B. On the other hand, if you don’t have those benefits you have to remember to enroll on your own. So, it’s important that you note the specific times when you can enroll. 

10. I am on COBRA so I don’t need to sign up for Medicare Part B.

COBRA does not count as active employment. To delay Part B enrollment without incurring a penalty, you or your spouse must be actively employed and covered by a group health plan. Additionally, if you are already on COBRA and your Medicare begins, your COBRA status will change when you turn 65. Meaning your COBRA coverage will end. You won’t be eligible to delay Part B without incurring a penalty. You may even experience a delay in the start of your Part B coverage, which could result in a serious coverage gap.

EZ Can Help

Now that you have all the facts it’s time to enroll with the help of EZ. EZ is able to help you enroll in Medicare, purchase a Medicare Supplement Plan, or just help you weigh your options. Our insurance agents collaborate with some of the most reputable insurance providers in the country. They are able to provide you with a free analysis that compares all of the plans that are available in your region. We will discuss your medical and financial needs and then assist you in locating a plan that is tailored to meet those requirements. To start, enter your zip code into the box below. Or give one of our licensed agents a call at 877-670-3602 and we’ll get the ball rolling for you.

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Missed the AEP? Find Out What You Can Do

If you’re a Medicare beneficiary, you have a few opportunities throughout the year to enroll in, change, or drop your Medicare plan. One of the opportunities to do so is the Medicare Annual Enrollment Period (AEP) which runs from October 15th to December 7th. Because this period is such a short amount of time, many people accidentally miss it. So what happens if you missed the Medicare Annual Enrollment Period, but would like to make changes to your current plan?

Research Other Medicare Enrollment Periods

Although you might have missed the AEP, there are other Medicare enrollment periods that you might qualify for, including:ipad with a calendar pulled up on it

  • Initial Enrollment Period – This is when you have just become or are about to become eligible for Medicare. It begins three months before your 65th birthday and continues through the three months following.
  • General Enrollment Period – This runs from January 1-March 31 each year, and is an opportunity for individuals who didn’t sign up for Original Medicare when they were first eligible to sign up. It’s important to note that you might have to pay a late enrollment fee if you enroll after your Initial Enrollment Period, and your coverage will not start until July 1 of that year.
  • Special Enrollment Period – Certain life events can make you eligible to enroll in Medicare, such as moving, losing employer coverage, being diagnosed with a qualifying chronic condition, or moving in or out of a skilled nursing facility or long-term hospital care.

Speak With Your Doctor

If you have missed this year’s AEP, and you don’t qualify to change your coverage or can’t wait for another enrollment period, there are still ways you can lessen the burden of healthcare costs. One of the best ways is to speak with your doctor. Talk to them about your medications, for example: they might be able to find a generic version that will help you save hundreds of dollars each year. 

In addition, ask your doctor if certain medical services are required, and how you can save on those, particularly when it comes to how they are coded for billing.

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Missing the Medicare Annual Enrollment Period can cause a lot of stress. EZ.Insure offers agents in your region to help you and answer any questions you may have. Our agents are highly trained to provide you with the best option for your needs. Our agent will provide you with Medicare Supplement Plan quotes from top carriers in your area, and even help you sign up at no cost. To get free instant quotes on plans that cover your current doctors, simply enter your zip code in the bar on the side, or to speak to a local licensed agent, call 888-753-7207.

What Changes Can I Make During Medicare’s Annual Enrollment Period?

It’s that time of year again! Medicare’s Annual Enrollment Period (AEP), sometimes referred to as Medicare Fall Open Enrollment, runs from October 15 through December 7, so now is the time to review your Medicare plan and decide if it’s still working for you, or if it’s time to make a change. It’s very important to be prepared for the AEP, and one of the best ways to be prepared is to go over your plan and any changes for next year, as well as your medical expenses and needs, right now. Once you’ve done this, make sure you review the following changes you can make during the AEP, and when those changes will take effect.

Why You Might Want To Change Plans

price tag with a check next to it
Look over your plan to make sure the changes, such as in price will suit you next year.

After you enroll in Medicare, you might find that your needs change: maybe you are looking to save more money, or to get more coverage for a new health condition. Not only that, but your Medicare plan itself might change: insurers that provide Medicare Advantage Plans and Part D prescription drug plans will sometimes make changes to your plans for the upcoming year that aren’t right for you and your situation. They can make changes to:

  • The price of your plan
  • You coverage
  • The providers and pharmacies in your network

You will get an Annual Notice of Change (ANOC) and/or Evidence of Coverage (EOC) from your provider before the AEP begins so you can review it for any changes to your plans. 

Changes You Can Make During Annual Enrollment Period

During the period from October 15 to December 7, you can:

  • Switch from Original Medicare (Parts A and B) to a Medicare Advantage plan
  • Switch from a Medicare Advantage Plan back to Original Medicare, as well as enroll in Part D or a Medicare Supplement Plan alongside Original Medicare
  • Switch your current Medicare Advantage Plan to a different one
  • Switch from a Medicare Advantage Plan that includes drug coverage to one that does not
  • Switch from a Medicare Advantage Plan that does not include drug coverage to one that does
  • Join, switch, or drop a Part D prescription drug planperson in a suit pointing at a graph with many options

After you have reviewed any changes to your current plan, and have made the decision to change plans, note that your new plan will not go into effect until January 1. 

It is also important to note that if you decide to purchase a Medicare Supplement Plan after you switch back to or enroll in Original Medicare from a Medicare Advantage Plan, you will have to answer some health questions and pass medical underwriting to be approved for a plan. The only exception to this is if you enrolled in a Medicare Advantage Plan when you turned 65 and decided to switch to Original Medicare within the first 12 months of having your plan.

If you are looking to enroll in Medicare, purchase a Medicare Supplement Plan, or you just want to weigh your options before the AEP is over, EZ can help. Our agents work with the top-rated insurance companies in the country, and can compare all available plans in your area, at no cost to you. We will go over your medical and financial needs, and help you find a Medicare Supplement Plan that checks all of the boxes. To get free instant quotes for plans that cover your current doctors, simply enter your zip code in the bar on the side, or to speak to a local licensed agent, call 888-753-7207.

Are Medicare Parts A & B Enough?

If you’re enrolled in Medicare, you have the ability to change your plan once a year during the Medicare Annual Enrollment Period (AEP). The AEP is less than 2 months long, lasting from October 15 to December 7, and is the time to review your Medicare options and find ways to save money on medical expenses: for example, if you only have Medicare Parts A and B, you could be missing out on hundreds of dollars of savings. EZ can help you save money by assessing your financial and medical needs during the AEP.

Medicare Parts A & B Coverage

Medicare Parts A & B will cover hospital and medical insurance, but will not cover anything.

If you’ve been enrolled in Medicare for a while, you probably have a good understanding of how it works, but it’s always helpful to have a refresher, because Medicare can get complicated. So, Medicare Part A is hospital insurance, and Part B covers other medical expenses; both allow you to use almost any hospital or doctor within the United States that accepts Medicare assignment. 

As far as out-of-pocket costs go, generally there is no monthly premium for Part A, but there is a deductible for each benefit period. Part B has an annual deductible, a monthly premium based on your income, and a 20% coinsurance, meaning you will have to pay 20% of your medical expenses, which can add up to quite a lot, especially if you have a chronic condition or illness.

What You Can Do To Save More

During the AEP, you have the option to make changes to your Medicare coverage: for example, you can change from Original Medicare to a Medicare Advantage Plan, switch Medicare Advantage Plans, enroll in a Part D plan, or change prescription drug plans. But what if you’re not interested in  switching to a Medicare Advantage Plan and want to stick with Original Medicare, but want to save money on your out-of-pocket expenses? Well, what a lot of Medicare beneficiaries do not know is that they can buy a Medicare Supplement Plan during the AEP. These plans help fill the gaps in Original Medicare and can save you hundreds of dollars each year because they cover some or all of your:

  • Part B coinsurance
  • First three pints of blood
  • Part A hospice coinsurance

Some plans will offer additional benefits, including covering your:

  • Part A deductible
  • Part B excess charges
  • Skilled nursing facility coinsurance
  • Foreign travel emergencies that do not qualify for Medicare reimbursement from Medicare Parts A or  B

These plans are a great way to save on medical expenses, but be aware that if you are signing up for a Medicare Supplement Plan outside of your Open Enrollment window (the month you turn 65 and the 5 months after that), you might be subject to underwriting, meaning that the insurer might ask you some health questions in order to determine the price of your premiums.

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There are 10 different Medicare Supplement Plans to choose from, which means there’s sure to be a plan that’s right for you – but that also means it can be confusing and time-consuming to compare them and figure out which one you should choose. To make the process easier for you, work with a licensed EZ agent. Our agents are highly trained, and work with the top-rated insurance companies in the nation; your dedicated agent will assess your medical needs and help you find a plan that will save you as much money as possible, which is important if you are living on a fixed income. 

Our services are free, because we just want to help you find an affordable plan with the coverage you need – no obligation, just free quotes. To get free instant quotes on plans that cover your current doctors, simply enter your zip code in the bar on the side, or to speak to a local licensed agent, call 888-753-7207.

Preparing for Medicare Open Enrollment: Know Your Rights During Medicare Open Enrollment

Shopping for Medicare can be an exciting time; it is when you can find a plan that offers the coverage you need and saves you money. But it can also be a hectic and frustrating time, when you could get scammed or hounded by ads, calls, and mail telling you which plan to enroll into or which insurance company to use. Remember, you have rights during Medicare Open Enrollment, and knowing them will protect you from some of the nuisances that tend to happen at this time.

Limitations on Contactcaucasian woman with a phone handle up to her ear and looking at a computer screen

Did you know that Medicare agents cannot call you without your consent? They can only contact you if you fill out a form agreeing to be contacted. You cannot be contacted:

  • If you do not have a relationship with the company.
  • By email unless you have agreed to receive emails from the agent.
  • With flyers, door hangers or visits to your home unless an agent has a scheduled appointment with you.

Limitations on Sales

If you do agree to be contacted by an agent, they can then talk to you about Medicare options that can help save you money. However, they are limited in what they can discuss with you. They cannot try to sell you all different kinds of Medicare plans; they can only speak to you about what you are interested in. You will fill out a Scope of Appointment form prior to the meeting, and this form will set limits on what they can discuss. For example, if you check that you are only interested in Medicare Supplement Plan options, then that is the only thing they will speak to you about. 

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Scammers will try to call to steal your information during the Open Enrollment, which is why it is important to never give out your information over the phone.

Be aware that no agent ever has the right to threaten you with taking  away your benefits if you do not sign up for a plan. They also cannot try to bribe you with gifts to try and get you to sign up for a plan.

Side note: Scammers might try to call you and act as a representative from Medicare in order to try and steal your Medicare ID number and other personal information. No Medicare representatives will ever call and ask you for that information over the phone; if they do need to connect with you, they will send you something in the mail. Unless you specifically filled out a form to be contacted by a Medicare agent, hang up – and never give out any information over the phone!

Use A Professional Licensed Agent

With EZ.Insure, you will never have to worry about your privacy being compromised or your rights being violated. Our licensed insurance agents are highly trained and pride themselves on providing help in a professional yet caring manner. In order to protect you, EZ.Insure uses state-of-the-art technology to keep your information secure when you fill out our form. We go a step further by providing you with one and only one agent to work with- you will never get bounced around from agent to agent. 

We work hard in order to make sure you save money. We’ll compare all available plans in your area, so you can find a Medicare Supplement Plan that will help pay for what Original Medicare does not. To get free instant quotes, simply enter your zip code in the bar above, or to speak directly with one of our licensed agents, call 888-753-7207.