Questions we hear all the time.

Original Medicare covers roughly 80% of most costs, leaving deductibles, copays, and coinsurance that can add up quickly. Most people pair it with a Medicare Advantage or Medicare Supplement plan to help cover that remaining share and add benefits like prescription drug coverage.

It depends on your situation. Most people get their best options — called Guaranteed Issue — during their Initial Enrollment Period, the seven-month window around their 65th birthday. There are also annual windows and special enrollment periods tied to life events like moving or losing other coverage. We'll help you figure out exactly which window applies to you.

Advantage plans usually cost less upfront and often bundle extra benefits, but use a provider network and have costs that vary with how much care you use. Supplement plans cost more monthly but offer predictable costs and let you see any provider who accepts Medicare, nationwide. See our Services page for a full side-by-side.

Yes. Insurance carriers compensate us directly, so our guidance, comparisons, and enrollment support never cost you anything — no matter which plan you choose, or if you choose none at all.

Absolutely. We offer free annual plan reviews to make sure your current coverage still fits your doctors, prescriptions, and budget — plans and needs both change from year to year.

No. Desert65 is an independent, licensed insurance agency. We're not connected with or endorsed by the U.S. government or the federal Medicare program — we simply help you understand the options available to you.

Yes. We ask you directly which doctors you see and which medications you take, then check that against each plan's network and drug list before recommending anything.

Of course. We regularly meet with couples together, and we're happy to help adult children get a parent's coverage sorted out — with the parent's involvement and consent, every step of the way.

We're licensed in 17 states across the Southwest and beyond: Arizona, Arkansas, California, Florida, Idaho, Kansas, Michigan, Nebraska, Nevada, New Mexico, Ohio, Oregon, South Carolina, Texas, Utah, Virginia, and Washington. Give us a call and we'll let you know right away.

We don't disappear. Call us anytime throughout the year — if a prescription changes, a doctor leaves your network, or you just have a question, we're here.