We'll make Medicare clear and help you choose with confidence.
- 100% free guidance, no fees, ever
- Same price as going direct, zero markup
Honest Medicare help in three steps
Skip the confusing articles and the mailbox full of flyers. Here is how it works with us.
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Learn the basics
Watch our free 17-minute workshop. It covers Parts A and B, Supplements, Advantage plans, drug plans and more.
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Talk with an agent
When you are ready, a licensed agent compares plans with you and helps you sign up for the one that fits.
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Enjoy your retirement
The hard part is done. You have coverage that works for you, and we check in with you every year.
Does this sound like you?
- Your mailbox is full of plan flyers, and they all say they are the best.
- Strangers keep calling about your Medicare, and you are not sure who to trust.
- You are afraid a new plan will drop your doctor or your hospital.
- You heard about a late penalty and do not want to miss a deadline.
You are not alone. We hear this every day, and it is why we keep things simple: one agent, plain answers, and no pressure.
No fees. Just dependable Medicare guidance.
Medicare is confusing, and most people only get one shot at a few of the big decisions. We slow it down. We explain your choices in plain words, check your doctors and medicines, and let you decide. There is never a fee, and the price of a plan is the same as going direct.
Our Services
You do not have to figure out Medicare alone. Our licensed agents give free, one-on-one help so you understand your options and choose with confidence.
Medicare Guidance
Parts A and B, Medicare Supplements, Medicare Advantage and Part D, compared side by side for your doctors and medicines.
See the plans we help with →Veterans and Military
How VA care, TRICARE For Life and Medicare fit together, from an agency that works with veterans all year.
Veterans and Medicare →Dental, Life and More
Original Medicare skips routine dental, vision and hearing. We help with those plans, plus final expense, hospital coverage and fixed annuities for money you want to protect.
See your options →What happens on your free review
No sales pitch and no rush. Here is what we do together on the call.
We check your doctors
We look up your doctors and hospitals in each plan's network, so you know who you can keep.
We price your medicines
We enter your medicines and pharmacy to see what each plan would really cost you.
We compare side by side
Supplement, Advantage and drug plans from many insurance companies, in one simple view.
We show the real costs
Monthly price, copays and the most you could pay in a year, in plain numbers.
We handle the paperwork
If you choose a plan, we help you sign up and make sure it is done right.
We help after, too
Claims, billing or a card that never came? You call us, not a 1-800 line.
You do not have to sign up on the call. You decide, on your own time.
Missouri lets you shop your Medicare Supplement every year
Around the anniversary of your plan, Missouri gives you a window to move to the same plan letter with another company, with no health questions. Most people never hear about it. We watch the calendar for you and compare the plans we offer before your window opens.
Learn Medicare in 17 minutes
A short video class you can watch anytime. How Parts A, B, C and D fit together, how to keep your doctors, and how to avoid late penalties. No cost, and nothing to buy.
Trusted by families for Medicare guidance
Rated 5.0 out of 5 from 164 Google reviews. Read client reviews or see them on Google →
Common questions, honest answers
Choosing Medicare does not have to be overwhelming. Here are straight answers to the questions people ask us most.
Get Free 1-on-1 HelpWill using Cole Insure cost me anything extra?
No. Our help is 100% free to you. Medicare plan prices are set by the insurance company and approved by the state or Medicare, so your premium is the same whether you sign up with us or go straight to the insurance company. How we are paid.
Will my doctors and hospitals be covered?
We check for you. With Original Medicare and a Medicare Supplement, you can see any doctor in the country who takes Medicare. Medicare Advantage plans use networks, so before you decide we look up your doctors and hospitals in each plan, including Kansas City systems like Saint Luke's, The University of Kansas Health System, HCA Midwest and University Health. How we check your doctors.
When can I sign up or change my Medicare plan?
Most people first sign up in the months around their 65th birthday. After that, you can change plans during Open Enrollment, October 15 to December 7. Leaving a job plan, moving, or a plan leaving your area can open a Special Enrollment Period. We help you use the right window so you avoid late penalties and gaps in coverage. All Medicare enrollment periods.
Do I have to sign up for a plan on the call?
No. There is no pressure. We go over your options, show you clear side-by-side comparisons, and you decide on your own time. How to get started.
Talk it through with a licensed agent
About 30 minutes by phone or video. We look at your doctors, your medicines and your budget. You decide, with no pressure.
