How We Help
Personalized Medicare guidance — from start to finish.
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We Listen
Understand your health, prescriptions, and budget.
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We Compare
Review Medicare Advantage, Supplement, and Part D options that fit.
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We Guide
Handle your enrollment paperwork so you can relax
Why Medicare Timing Matters
Don’t miss your window — or overpay.
Medicare has strict enrollment periods. Missing yours could lead to late penalties or coverage gaps. Here’s what you need to know:
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Turning 65 soon? You’re in your Initial Enrollment Period (IEP) — a 7-month window around your 65th birthday.
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Still working past 65? When you leave employer coverage, you may qualify for a Special Enrollment Period (SEP) — a chance to enroll without penalties.
Ethan Advisor helps you understand which period applies to you and what steps to take.
Why Work With Ethan Advisor
Independent. Experienced. On your side.
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Informed recommendations — bridging the gap between clients and insurance providers to ensure the right coverage for every situation.
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Personalized comparisons tailored to your needs.
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Licensed, local advisor support with years of Medicare experience.
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No cost for our guidance — your peace of mind comes first.
You get clarity, confidence, and coverage you can trust.
FAQ
Q: Who’s eligible to enroll in a Medicare plan? A: Most people qualify at age 65 or earlier due to disability or certain medical conditions. You can enroll during your Initial Enrollment Period, Annual Enrollment (Oct 15 – Dec 7), or if you qualify for a Special Enrollment Period after events like retiring, losing coverage, or moving. A licensed advisor can help confirm your eligibility and timing.
Q: Do I pay extra for your Medicare help — and what happens after I enroll? A: You’ll never pay extra to work with Ethan Advisor. Your Medicare premium is the same whether you enroll through us or directly with the insurance company. The difference is the value — you gain a licensed advisor who provides personalized guidance before enrollment and ongoing support afterward, helping with plan reviews, billing questions, and coverage updates every year.
Q: What’s the difference between Medicare Advantage and Medigap? A: Medicare Advantage (Part C) replaces Original Medicare with an all-in-one private plan that often includes prescription drug coverage and extra benefits like dental, vision, and hearing. Medigap (Medicare Supplement) works with Original Medicare to help pay out-of-pocket costs such as deductibles and coinsurance. The right choice depends on your budget, travel habits, and preferred access to doctors and hospitals.
Q: Will I lose my doctor or coverage if I change Medicare plans? A: Not necessarily. Each plan has its own network of providers, and some allow you to see any doctor who accepts Medicare. Before making any changes, our licensed advisors review your doctors, prescriptions, and preferred hospitals to make sure your new plan fits your needs — so you can switch confidently without unexpected surprises.
Disclaimer
Ethan Advisor and Associates and its representatives are not affiliated with or endorsed by the U.S. government or the federal Medicare program. We offer plans from multiple insurance companies but not all plans available in your area or state.