Navigate Medicare & Life Insurance with Confidence

No — our services are 100% free to you. As independent agents, we are compensated directly by the insurance carriers. You pay the same premium whether you enroll on your own or through us, but you get personalized guidance and plan comparisons at no extra cost.

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes drug coverage, dental, and vision — usually with lower premiums but network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles — giving you more provider freedom but at a higher monthly premium. An independent agent can help you compare both options side by side.

Senior Benefits Hub is licensed in 15 states: North Carolina, Arizona, Arkansas, Connecticut, Florida, Georgia, Louisiana, Maryland, Missouri, Montana, Ohio, South Carolina, Tennessee, Texas, and Virginia. We help clients both locally in the Raleigh/Triangle area and remotely across all licensed states.

The right plan depends on your doctors, prescriptions, budget, and healthcare needs. We start with a free consultation where we review your current medications, preferred providers, and health priorities. Then we compare plans across multiple carriers — UnitedHealthcare, Humana, Aetna, Blue Cross NC, and more — to find the right fit. There's no obligation and no cost.

There are several Medicare enrollment windows: your Initial Enrollment Period (the 7-month window that starts 3 months before the month you turn 65 and ends 3 months after that month), the Annual Enrollment Period (October 15 – December 7 each year), the Medicare Advantage Open Enrollment Period (January 1 – March 31), and Special Enrollment Periods triggered by qualifying life events like moving or losing employer coverage.

Yes. During the Annual Enrollment Period (October 15 – December 7), you can switch Medicare Advantage plans, drop Medicare Advantage and return to Original Medicare, or change your Part D prescription drug plan. If you have Medicare Advantage, you can also make one plan change during the Open Enrollment Period (January 1 – March 31). Contact us anytime to review your options.