Our website is super user-friendly and keeps Medicare simple! We've designed it for those with even the most limited computer know-how and/or Medicare knowledge.

We offer additional info and tips along the way for common Medicare questions that arise. If you still have questions, you can give us a call or send us a message to speak with a licensed insurance agent!

Toll-Free: (844) 607 - 2379 | TTY 711

Chat with us by clicking here.

Yes! We started out as a typical licensed insurance agency but found a more transparent, reliable, and simple way to deliver our services to you. We are still run by licensed insurance agents. We've taken that experience and extensive research and partnerships to provide you with high-quality service online.

If you want to verify our license status in your state, search our name on your state insurance commissioner's website.

(Just Google '(your state) insurance commissioner agency search')

Then, search for our full legal name: 'ChoiceGuard Insurance Services'.

We'll only ask for contact information after you choose to enroll in a plan so that we can facilitate plan enrollment and inform you of updates and other important details about your plan or coverage periods. We may also offer Medicare or other insurance tips or offers, but you can opt-out at any time.

We'll never sell any personal information you provide us to third parties to ensure your information stays private and to prevent any spam calls or emails. See our privacy policy for more details.

We are here to help in the long run. We can always assist in looking at alternative options and eligible plan enrollment periods if you are dissatisfied. Chat with us online if this is the case.

Our website is fully encrypted to make sure your information is secure. To respect your privacy and keep your information safe, we never sell your information to third parties. Our privacy policy applies and contains additional details.

Our services will always be free to use, and we never add additional fees to the plans themselves. You get the same rate enrolling through us that you would get anywhere else!

Some Medicare Advantage plans may even cost $0 per month, as long as you keep paying your Medicare Part B premium (if applicable). This is because Medicare helps cover the cost of the plan.

When you enroll, we are compensated directly by the insurance carriers to offer our service and continuing support, so you never have to pay us a dime!

We are paid directly by the insurance carriers as a commission when you enroll to offer our service and continuing support. So you never have to pay us a dime!

We typically get paid the same amount by each insurance carrier, so we aren't partial to any one plan or insurance company. We provide recommendations based on your needs, preferences, and input!

There are several compelling reasons to enroll with us:

1. Flexible Options and Personalized Recommendations: With the constant changes in plans and personal needs each year, you need a partner that adapts. As a licensed insurance agency, we represent over 34 organizations offering 1,072 plans across the states we serve. This broad network enables us to provide unbiased, personalized recommendations. Our goal is to ensure your plan always serves your best interests, even if that means helping you switch to a different plan that better suits your evolving needs in the future.

2. Continued Support: When you enroll in a plan through our website, you gain access to ongoing support, valuable tips, and crucial alerts that aren't typically provided when enrolling directly with an insurance carrier.

Our commitment is to your long-term well-being and peace of mind.

In some cases, yes.

There is an Initial Election Period (IEP) for those who are aging into Medicare (turning 65). IEP begins 3 months before someone turns 65 and ends 3 months after turning 65. Late enrollment penalties may apply if someone does not enroll when initially able to do so.

There are also many Special Enrollment Periods (SEPs) that exist outside of the Annual Election Period (AEP).

For example, the Medicare Advantage Open Enrollment Period (MA OEP) allows anyone with a Medicare Advantage plan has the chance to switch plans one time from Jan 1 - Mar 31.

Other common SEPs are available to those who move to a new service area, are losing their group coverage through their employer, or who may be impacted by a natural disaster impacting their ability to enroll during AEP or another Special Enrollment Period.

Many other SEPs also exist.

During the enrollment application process, you will be asked if these or any of the many other special enrollment circumstances apply to you. If one of them does, then you are likely eligible to enroll now.

We recommend filling out the enrollment application to see which SEPs you might qualify for. If you get stuck, give us a call!