Coverage area
Where we are licensed
Medicare plans are county-specific, so where you live changes what is available to you. Pick your state to see what that means locally.
- Maryland MD
- Texas TX
- Georgia GA
- North Carolina NC
- Ohio OH
- Pennsylvania PA
- Arizona AZ
- Tennessee TN
- Indiana IN
- Missouri MO
- South Carolina SC
- Oklahoma OK
- Nebraska NE
Not in one of these states? Call (762) 226-8566 anyway. If we cannot help you directly we will point you to Medicare.gov or 1-800-MEDICARE.
Why being licensed in your state matters
An insurance producer can only discuss and enrol you in plans in a state where they hold an active license. That is not a formality, it is the law, and it is the reason a national call center will sometimes transfer you three times before anyone can actually help. Working with a broker licensed where you live means the person explaining your options is the same person who can enrol you in them.
It also matters after enrollment. When something changes with your plan in the fall, or a prescription moves to a different tier in January, the person who placed the coverage is still licensed to service it.
State licensing is only half of it
The other half is the county. Medicare Advantage and Part D plans are approved county by county, so what is available in one part of a state can be completely different an hour away. Two people in the same state, with the same doctors and the same prescriptions, can be offered entirely different plans.
That is why a useful conversation starts with a ZIP code rather than a state. The state determines who is allowed to help you. The county determines what you can actually get.
What changes between states
- Which insurance companies operate there. Some carriers are national, many are regional, and a plan common in one state may not be sold in the next.
- Medicaid rules. Medicaid is state-run, so the income and asset limits that decide whether someone qualifies for a Dual Special Needs Plan differ by state.
- Medicare Supplement rules. A few states have their own protections, such as Maryland's birthday rule, that change when you can switch a Supplement without health questions.
- Provider networks. The same insurance company can contract with completely different hospital systems in different markets.
If you move
Moving out of your plan's service area opens a Special Enrollment Period, which lets you change plans outside the usual dates. The window is limited and the clock generally starts at the move rather than when you find out, so it is worth a short call as soon as an address change is on the horizon.