Whether you're turning 65 or shopping for a better plan, our licensed agents help you compare options with zero pressure and total clarity.
We offer two platforms depending on where you are in your Medicare journey.
New to Medicare? Get plain-English answers about enrollment periods, plan types, costs, and more. Plus direct access to a licensed agent whenever you're ready.
Visit MedicareLingo →Already on Medicare and ready to compare 2026 plans? Watch carrier videos, complete your SOA online, and book directly with Michael or Karla — all from home.
Enter the Medicare Seminar Center →Browse, compare, and enroll in Medicare Advantage or Part D plans at your own pace — by ZIP code, across all available carriers. Submit directly to the plan when you're ready. No pressure. No waiting.
By enrolling through this link, Michael Spignor (NPN: 17103463 | AZ Lic. 1800015262) will be recorded as your licensed agent of record at no additional cost to you.
Medicare has four main parts. Here's what each covers.
All-in-one plans from private insurers covering hospital, medical, drug, dental, vision, and hearing. Often $0 premium.
Fills the gaps in Original Medicare — covering copays, deductibles, and coinsurance. Pairs with Original Medicare.
Stand-alone prescription drug coverage that works with Original Medicare or a Medigap plan.
Stand-alone supplemental plans for dental, vision, and hearing coverage not included in Original Medicare.
Missing your enrollment window can result in penalties. Know your dates.
A 7-month window around your 65th birthday. 3 months before, your birthday month, and 3 months after.
October 15 – December 7 each year. Anyone on Medicare can switch, join, or drop a Medicare Advantage or Part D plan.
January 1 – March 31 if you missed your IEP. Coverage starts July 1. Late enrollment penalties may apply.
Triggered by life events like losing employer coverage, moving, or losing Medicaid eligibility.
Book a free 15-minute call with Michael or Karla. We'll answer every question in plain English — no pressure, no jargon.