Resources Every Senior Deserves to Have.
We believe an informed senior is a protected senior. These guides, tips, and tools are yours — free, with no strings attached.
Medicare Is a Right — Not a Privilege.
As a Medicare beneficiary, you have powerful protections under federal law. Most seniors never know them. We want to change that.
Seniors Are the #1 Target of Medicare Fraud.
Medicare fraud costs the system billions every year — and it often starts with a phone call, a knock at the door, or an email that seems legitimate. Here's how to protect yourself.
$60B+
Lost to Medicare fraud annually
1 in 5
Seniors targeted by a scam each year
85%
Of fraud goes unreported
Unsolicited calls about your Medicare benefits
Medicare will never call you out of the blue to offer free equipment, services, or plan changes. Hang up immediately on any unsolicited Medicare call.
Requests for your Medicare number
Your Medicare number is as sensitive as your Social Security number. Never give it out to anyone who contacts you — only share it with your doctor, pharmacist, or a licensed agent you initiated contact with.
"Free" medical equipment or services
Scammers offer free braces, wheelchairs, or tests in exchange for your Medicare number. There is no such thing as free Medicare equipment from an unsolicited caller.
Pressure to switch plans immediately
No legitimate agent will pressure you to enroll on the spot. High-pressure tactics — especially outside of Open Enrollment — are a major red flag.
Door-to-door Medicare sales
It is illegal for Medicare Advantage or Part D agents to come to your home uninvited to sell you a plan. If someone shows up at your door, do not let them in.
Billing for services you never received
Review every Explanation of Benefits (EOB) you receive. If you see a charge for a service, test, or equipment you never received, report it immediately.
Report Medicare fraud: 1-800-MEDICARE (1-800-633-4227) or the HHS OIG Hotline at 1-800-HHS-TIPS
Benefits You May Be Missing.
Millions of seniors leave money on the table every year — not because they don't qualify, but because no one told them these programs exist.
Medicare Savings Programs (MSPs)
State-run programs that help pay Medicare Part A and Part B premiums, deductibles, and copays. Depending on your income, the state may pay your entire Part B premium — saving you over $2,000 per year.
Who qualifies
Based on income and resources. Many people who think they don't qualify actually do.
Extra Help / Low-Income Subsidy (LIS)
A federal program that reduces Part D prescription drug costs to near zero for qualifying seniors. Premiums, deductibles, and copays are all reduced — sometimes eliminated entirely.
Who qualifies
Income at or below 150% of the federal poverty level.
PACE — Program of All-Inclusive Care
For seniors who need nursing home-level care but want to remain in their community. PACE provides comprehensive medical, social, and long-term care services — often at little or no cost.
Who qualifies
Age 55+, nursing home-level care needs, live in a PACE service area.
Preventive Services at No Cost
Medicare covers a wide range of preventive screenings, vaccines, and wellness visits at $0 cost to you — including your Annual Wellness Visit, mammograms, colonoscopies, diabetes screenings, and more.
Who qualifies
Available to all Medicare Part B beneficiaries.
Telehealth & Remote Care Benefits
Medicare now covers many telehealth services, allowing you to see your doctor from home. This is especially valuable for seniors with mobility challenges or those in rural areas.
Who qualifies
Available to Medicare beneficiaries with a participating provider.
Mental Health Coverage
Medicare covers mental health services including therapy, counseling, and psychiatric care. Part B covers outpatient mental health services at 80% after your deductible — the same as other medical services.
Who qualifies
Available to all Medicare Part B beneficiaries.
Don't Miss Your Window.
Missing an enrollment period can mean paying higher premiums for life — or going without coverage. Here are the key dates every senior needs to know.
Initial Enrollment Period (IEP)
7-month window around your 65th birthdayYour first chance to enroll in Medicare. Starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. Missing this window without qualifying coverage can result in permanent late enrollment penalties.
Annual Enrollment Period (AEP)
October 15 – December 7 each yearThe main window to switch Medicare Advantage or Part D plans. Changes take effect January 1. This is your annual opportunity to review your coverage and make sure your plan still fits your needs.
Medicare Advantage Open Enrollment (OEP)
January 1 – March 31 each yearIf you're already enrolled in a Medicare Advantage plan, you can switch to a different MA plan or return to Original Medicare during this period. You can only make one change.
Special Enrollment Period (SEP)
Triggered by qualifying life eventsCertain life events — losing employer coverage, moving out of your plan's service area, qualifying for Extra Help — trigger a Special Enrollment Period that lets you make changes outside the standard windows.
Have Questions About Your Benefits?
Our team is here to help you understand your options, check your eligibility, and make sure you're getting every benefit you've earned.