Medicare can be confusing. Understanding the truth can save you money, protect your health, and give you peace of mind.
Here’s What the Insurance Industry Does NOT Want You to Know About Medicare:
TRUTH #1
You have ONE Big Decision – Original Medicare or Medicare Advantage?
When you first sign up for Medicare, you must choose between Original Medicare and Medicare Advantage.
Switching later can be complicated and costly—unless you live in one of the few states where switching is easier.
💡 You MUST understand the differences before making your choice.
TRUTH #2
There’s No Such Thing as a $0 Premium Plan
If someone tells you there’s a premium-free plan, it’s not true.
Almost everyone on Medicare pays a Part B premium each month.
The cost of Part B is taken from your Social Security check or paid quarterly if you’re not on Social Security.
👉 The higher your income, the more you pay for Part B.
TRUTH #3
Insurance Companies Profit Big from Medicare Advantage
When you choose Medicare Advantage, the federal government pays your Part A and Part B premiums to the private insurance company managing your care.
These companies make money by spending less than they receive.
They limit your choices of doctors and hospitals, require prior approvals for tests and medications, and you pay if you don’t follow the rules.
TRUTH #4
The System is Set Up to Confuse You
Medicare is meant to be simple, but it’s not.
The Medicare Modernization Act of 2003 promised competition and government cost savings. Instead…
The federal government’s costs for Medicare skyrocketed.
Enrollees are expected to shop for a better Medicare plan every year, but the system is so confusing, most people don't.
Most people choose a Medicare plan once, and then forget about it. (Which is exactly what the insurance industry wants you to do!)
👉 Don’t blame yourself! It’s easier to pay more in premiums than to sort through the confusion.
TRUTH #5
You Don’t Need an Agent, Broker, or Expensive Medicare Coach
You don’t have to pay $500 to $2,000 for advice. You don’t even have to talk to an insurance agent or broker.
💡 There’s a better way to learn about Medicare than from an agent or broker who gets paid based on what you choose.
TRUTH #6
Insurance Companies Make More Money if You Choose Medicare Advantage
Agents and brokers make less if you choose Original Medicare, but they earn more if you choose Medicare Advantage.
That’s why they push it so hard.
TRUTH #7
The Government’s Medicare Website is Confusing
Medicare’s official website is hard to use.
Is it designed this way to keep us confused? Who knows?
It makes understanding the options even harder.
The Bottom Line
Medicare is not one-size-fits-all, and you deserve to understand your options.
Don’t let confusion or industry profits guide your decision.
Take control of your Medicare journey!
Hello, I’m Maryann, your expert Medicare Coach. Over the years, I’ve helped so many friends and family members navigate the confusing world of Medicare that they started calling me “Medicare Maryann”—and the name stuck!
I’m passionate about making Medicare simple, affordable, and stress-free for everyone.
With a unique background as a registered nurse, a doctoral degree in healthcare, and experience as a hospital and health system CEO, I bring both expertise and compassion to the table. I was even named one of the top 50 healthcare executives in the nation.
My goal is to provide you with clear, practical guidance to help you understand Medicare, choose between the two Medicare programs, and finally select the best plans for your needs.
I want to caution you about learning Medicare from agents, brokers, or expensive private coaches. These individuals often have a financial agenda, earning commissions or bonuses for selling specific plans. They may only teach you about one Medicare program—the one that benefits them financially—while leaving out the other options. Even “free” education is often just a sales pitch in disguise.
That’s why I’ve created a better way. Instead of charging $500 to $2,000 like many private coaches, I developed an easy-to-use app that explains Medicare in a straightforward, step-by-step format.
My app also includes a personalized quiz to help you choose the right Medicare program for your unique needs.
For a one-time, very low fee, you’ll have limitless access to this powerful tool to guide you through Medicare today and in the future.
My mission is to empower you to take control of your Medicare decisions. With my app, you’ll get unbiased, stress-free support without any pressure or hidden agendas.
Let me help you navigate Medicare with confidence!
What is the Medicare Unbiased 65 App?
The Medicare Unbiased 65 App is a simple, step-by-step tool designed to guide you through the process of understanding and signing up for Medicare. It includes video lessons, a quiz to help you choose the right Medicare program, and lifelong access for a one-time fee.
Who is the Medicare Unbiased 65 App for?
This app is perfect for anyone nearing age 65 and preparing to enroll in Medicare. It’s also a great resource for those who want a limitless tool to help manage their Medicare decisions over time.
What makes the Medicare Unbiased 65 App different from free resources?
Unlike free resources, which may be biased toward selling insurance, this app is completely unbiased. It offers clear, easy-to-understand information and doesn’t promote or sell any insurance products.
Does the app sell or recommend specific Medicare plans?
No, the app does not sell or recommend specific plans. It provides unbiased guidance to help you choose between Original Medicare and Medicare Advantage and understand the plan options available.
What is the quiz feature, and how does it help me?
The quiz is a tool to help you determine whether Original Medicare or Medicare Advantage might be a better fit for your needs based on your preferences, lifestyle, and health coverage goals.
Do I need prior knowledge of Medicare to use this app?
No prior knowledge is needed. The app is designed for beginners and explains everything from the basics of Medicare to advanced topics in a clear, straightforward way.
How long will I have access to the app?
You’ll have unlimited, access to the app after a one-time fee. It’s a tool you can revisit as your Medicare needs change over time.
Does the app cover how to sign up for Medicare?
Yes, the app includes detailed instructions on how to create a Login.gov account, sign up for Medicare Part A and Part B, and choose the right plans for your needs.
What if I don’t feel comfortable with technology?
The app is designed with easy navigation and simple instructions for all users, including those who are less familiar with technology. You’ll also find step-by-step video guides and written materials to help you through every step.
How much does the Medicare Unbiased 65 App cost?
The app requires a one-time low fee, giving you limitless access to its resources, including updates as Medicare rules and programs change.