Compare Medicare
Plans With a
Licensed Specialist
Medicare Advantage, Part D prescription drug plans, and Medigap supplements — compare your options side by side with a licensed Medicare specialist. Free. No obligation. Not a government website.
Compare Medicare Plans
A licensed Medicare specialist will contact you to discuss your options — free, no obligation to enroll.
Your Coverage Options
Types of Medicare Plans
Understanding the differences between Medicare plan types is the first step to finding coverage that fits your health needs and budget.
Medicare Advantage
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They typically include Parts A, B, and often Part D drug coverage in one plan.
- Includes Parts A & B hospital and medical coverage
- Many plans include Part D drug coverage
- May include extra benefits: dental, vision, hearing
- Typically $0 or low monthly premium options available
- Annual plan selection during AEP (Oct 15–Dec 7)
- Network-based care (HMO or PPO typically)
Part D Drug Plans
Medicare Part D plans provide prescription drug coverage. If you have Original Medicare (Parts A & B), you can add a standalone Part D plan.
- Standalone prescription drug coverage
- Used alongside Original Medicare (A & B)
- Formulary (drug list) varies by plan
- Premiums, deductibles, and copays vary
- Late enrollment penalty if you delay without coverage
- Annual changes — review coverage each AEP
Medigap / Supplement
Medicare Supplement (Medigap) plans help pay for costs Original Medicare doesn't cover — like deductibles, copayments, and coinsurance.
- Works alongside Original Medicare (A & B)
- Standardized plans: A, B, C, D, F, G, K, L, M, N
- Typically no network restrictions (any Medicare provider)
- Higher monthly premium, lower out-of-pocket costs
- Open Enrollment: 6 months after turning 65 + Part B
- Sold by private insurers — prices vary by company
Enrollment Windows
Medicare Enrollment Periods
Medicare has strict enrollment windows. Missing them can result in late enrollment penalties or gaps in coverage. Know your dates.
Switch, join, or drop Medicare Advantage or Part D plans. Changes take effect January 1.
This is the primary window for most Medicare plan changes each year.
If enrolled in Medicare Advantage, you can switch to another MA plan or return to Original Medicare once.
Cannot switch from Original Medicare to MA during OEP.
Qualifying life events — moving, losing coverage, Medicaid eligibility, or other qualifying circumstances — may trigger a Special Enrollment Period.
Must verify SEP eligibility with a licensed Medicare specialist.
3 months before, month of, and 3 months after you turn 65. Best time to enroll to avoid late penalties.
Missing ICEP may result in permanent Part B late enrollment penalty.
Simple Process
How Our Medicare Comparison Works
Submit Your Info
Complete the short form above. Takes under 2 minutes. Secure, encrypted form.
Scope of Appointment
A licensed agent will discuss which Medicare plan types you'd like to review (required before the sales call).
Speak With a Specialist
A licensed Medicare agent reviews plans available in your county. Call is recorded per CMS requirement.
Compare Your Options
Your agent shows you plans from carriers available in your area — no pressure to choose anything.
Enroll When Ready
If you find a plan you like, your agent handles enrollment. No obligation if you don't.
CMS Required — Chapter 3
Scope of Appointment (SOA)
The Centers for Medicare & Medicaid Services (CMS) requires that a licensed Medicare agent obtain your Scope of Appointment before conducting a sales meeting or phone call about Medicare plans.
The SOA documents which Medicare plan types you agree to discuss — so the agent only covers topics you've requested. It is NOT an enrollment form and does NOT obligate you to purchase anything.
What the SOA covers:
- Medicare Advantage plans (Part C)
- Medicare Supplement / Medigap plans
- Medicare Part D Prescription Drug Plans
- Dual Eligible Special Needs Plans (D-SNPs)
- Chronic Condition Special Needs Plans (C-SNPs)
After you submit the lead form above, a licensed Medicare specialist will contact you to complete the SOA before your formal plan comparison call. This is a CMS requirement — not a sales tactic.
Scope of Appointment — Reference
This is a reference illustration of what the SOA covers. Your licensed Medicare agent will complete the official SOA with you before your plan comparison call.
Plan Types to Discuss:
- Medicare Advantage (Part C)
- Part D Prescription Drug Plans
- Medigap / Medicare Supplement
- Dual Eligible SNPs (D-SNPs)
- Chronic Condition SNPs (C-SNPs)
Not affiliated with Medicare, CMS, or any government agency. Submitting does not constitute enrollment.
Your Rights as a Medicare Beneficiary
What to Expect From Your Agent Call
CMS requires licensed Medicare agents to follow strict conduct rules. Here is what you have the right to expect.
Call Will Be Recorded
All Medicare sales calls are recorded 100% of the time as required by CMS. This protects you. You will be notified at the start of the call.
SOA Must Come First
Your agent must complete a Scope of Appointment with you before discussing specific Medicare plans. They can only discuss plan types you've agreed to.
No Cross-Selling Allowed
During a Medicare sales call, agents cannot pitch non-healthcare products (life insurance, annuities, etc.). This is prohibited by CMS.
Area-Specific Plans Only
Your agent can only show you Medicare plans available in your specific county. Not all plans are available in all areas.
No Cost to You
Using our comparison service is free. Licensed Medicare agents are compensated by insurance carriers — not by you.
No Obligation to Enroll
You are never required to enroll in a plan after speaking with an agent. You can end the call at any time. This is your right.
Ready to Compare Medicare Plans?
A licensed Medicare specialist is standing by — free, no obligation to enroll.
Mon–Fri 8AM–8PM ET · Licensed Medicare Specialists · Not affiliated with Medicare.gov or any government agency · NPN: [INSERT NPN]
CMS Required TPMO Disclosure (Verbatim): 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 (1-800-633-4227) to get information on all of your options.
Government Non-Affiliation: EnrollSmartNow, LLC is not affiliated with, endorsed by, or a representative of Medicare, the Centers for Medicare & Medicaid Services (CMS), Medicaid, or any federal, state, or local government agency. This is not a government website.
Lead Generator Disclosure: EnrollSmartNow, LLC is an insurance marketing organization (IMO) and licensed lead generator. We are not a licensed Medicare agent. We connect consumers with state-licensed, CMS-contracted Medicare insurance agents and plan carriers. NPN: [INSERT NPN]. Licensing: enrollsmartnow.com/licensing
Call Recording: All calls with licensed Medicare agents are recorded 100% as required by CMS Chapter 3 Medicare Marketing Guidelines. Consumer consent is obtained prior to calls. Recordings are maintained by the licensed agent/agency. Privacy Policy · Marketing Partners