Licensed in 13 states
Your Medicare Options,
Explained.
Independent guidance from a licensed local broker. Skip the workshops and the pile of mail. One short call, plain answers, and there is no charge for the review.
Which describes you?
Pick one and get straight to the right questions.
Or call (762) 226-8566, or text REVIEW to the same number.
Where to start
Three situations, three different conversations
Turning 65
There is a seven month window around your birthday and a couple of deadlines that attach a permanent penalty if you miss them.
- Your exact enrollment dates
- Part B penalty avoided
- Employer coverage compared
Medicare and Medicaid
If you carry both cards you may be able to review and change your plan more than once a year, rather than waiting for the fall.
- Both-card options explained
- Change windows checked
- Chronic condition plans
Already on a plan
Plans change their costs, networks and drug lists every January. A yearly check is the difference between knowing and assuming.
- Doctors still in network
- Prescriptions still covered
- What changed this year
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
What you will learn
In about ten minutes on the phone
Your enrollment timeline
When your window opens, when it closes, and which deadlines carry a penalty.
Plans offered in your county
Not a national brochure. What is actually available at your address.
Whether your doctors are in network
Checked against the carrier's own current directory, not a guess.
Whether your prescriptions are covered
Every plan covers a different list at different tiers. Yours get checked by name.
100% Independent
Not tied to one carrier. Several organizations get compared for you.
No Charge, Ever
You are never billed, and your premium is not higher for working with an agent.
One Advisor, Not a Call Center
The same person every time. No script, no queue, no transfer.
The Part B late enrollment penalty is permanent
If you do not sign up for Medicare Part B when you are first eligible, you may pay a late enrollment penalty for as long as you have Part B. The monthly premium can rise by 10% for each full 12-month period you could have had Part B but did not enroll.
That is the single most expensive thing to get wrong, and it is entirely avoidable. A short review confirms your dates before a deadline passes.
How it works
Three steps, none of them complicated
Quick call
Ten to fifteen minutes to understand your doctors, your prescriptions and what you actually need.
Review coverage
Your current plan gets compared against what is offered in your specific county, using the plans Adam is appointed with.
You decide
If something fits your situation better, he helps you enroll. If what you have is already right for you, he tells you to keep it.
The difference
A private review, not a workshop
The typical Medicare workshop
- Slideshows and a lot of information at once
- A room full of strangers and a sales environment
- Often two hours or more of your day
- Pressure to decide before you leave
- General information, not tied to your doctors or your drugs
A one-on-one review
- One conversation, just the two of you
- Facts, then you make the call in your own time
- Ten to fifteen minutes
- No deadline invented to rush you
- Built around your doctors, your medications and your budget
Worth knowing
What most people are never told
Plans change every year
Your current plan's costs, copays and covered medications can all change on January 1. What fit last year may not fit now.
Benefits go unused
Many plans include extras like dental, vision or hearing. What is included depends on the plan and where you live, and it is worth knowing what yours has.
Coverage can quietly stop fitting
People often carry coverage that no longer matches the doctors they see or the drugs they take, simply because nobody reviewed it with them.
Carriers
Independently appointed
Independent means Adam is not tied to a single insurance company. He compares what several organizations offer in your county and explains honestly how they differ.
Medicare
- UnitedHealthcare
- AARP / UHC Medicare Supplement
- Devoted Health
- Cigna HealthSpring
- Mutual of Omaha
Health & ACA
- UnitedHealthOne / Golden Rule
- Cigna (IFP & Med Supp)
- Allstate Health Solutions
- Ambetter
- Manhattan Life
Life & Ancillary
- American-Amicable Life
- American Home Life
- Mutual of Omaha
- VSP Vision
- Manhattan Life
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Common question
Why is there no charge?
Licensed agents are paid by the insurance company when someone enrolls, never by you. Your review carries no cost whether you switch plans or not, and your premium is not higher for having worked with an agent. You will never see a bill.
Questions
Frequently asked
Is there really no charge for the consultation?
Correct. The consultation, the plan comparison and the one-on-one review carry no charge to you. Licensed agents are paid by the insurance company only if you choose to enroll, so there is never a fee or an invoice on your end.
Will my premium be higher if I use an agent?
No. A plan costs the same whether you enroll through a licensed agent, directly with the carrier, or on Medicare.gov. Using an agent does not add anything to your premium.
Will I be pressured to switch plans?
No. If your current plan is already working for your doctors, your prescriptions and your budget, you will be told that plainly and the call ends there. A review that ends with you keeping what you have is a successful review.
Are you affiliated with Medicare or the government?
No. Your Senior Health Benefits Review is an independent insurance brokerage. It is not affiliated with or endorsed by the U.S. Government or the federal Medicare program. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE.
How long does the review take?
Usually ten to fifteen minutes on the phone. Bring your list of doctors and prescriptions and it goes faster.
What plans do you compare?
Adam is independently appointed with several insurance organizations and compares what those organizations offer in your county. He does not offer every plan available in your area, and any information provided is limited to the plans he does offer. Medicare.gov or 1-800-MEDICARE can give you information on all of your options.
Who you will talk to
Adam Ihsan
Licensed independent Medicare broker, NPN 21496148. Independent means not tied to one insurance company, so several get compared and you hear honestly how they differ.
You get the same person every time, who already knows your situation, instead of a queue and a script. When something changes with your plan in the fall, you are not starting over with a stranger.
- Licensed in 13 states, resident in Maryland
- AHIP and carrier certified every plan year
- Errors and omissions coverage maintained
- Paid by the insurance company, never by you
Ready to get a straight answer?
About a minute to ask, about ten minutes on the phone.