- Mon to Fri, 8am to 6pm
- contact@thepathway.io
Free Medicare help from a licensed local agent
Turning 65, new to Medicare, or reviewing your current plan? Get clear, no-pressure answers from a licensed agent who serves your state, at no cost to you. Serving Virginia, Maryland, Florida, New Jersey, Pennsylvania, Delaware and Connecticut.
- You will never pay more by working with a licensed agent.
- We do not sell or share your information.
- No cold calls, ever. We only contact you with your consent.
FREE · NO OBLIGATION
Get your free Medicare consultation
Tell us about your situation and a licensed agent in your state will reach out. This is an educational conversation, not a sales call.
Licensed & CMS compliant
Local agents in 7 states
Insurance terms, finally made clear
Health insurance has its own language. Our flashcard set explains the essential terms in plain English, so you can make confident decisions. Perfect for anyone new to coverage, at any age.
$29.99one-time · digital version included
- 50+ essential insurance terms and definitions
- Covers Medicare, ACA, and health insurance concepts
- Durable, high-quality printed cards
- Great for self-study or teaching others
Deductible: what you pay out of pocket for care before your plan starts to pay.
Copay: a fixed amount you pay for a covered service, such as a doctor visit.
Coinsurance: your share of a cost after the deductible, usually a percentage.
IRMAA: an income-related amount added to your Part B and Part D premiums if your income is above a set threshold.
Prefer to pick a time yourself?
Choose a slot that works for you and a licensed agent in your state will call at that time.
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Licensed Medicare help across 7 states
Your plan options depend on where you live, so we connect you with a licensed agent in your own state. Local guidance, local plans.
Where do you offer Medicare help? Our licensed agents serve Virginia (including Alexandria, Arlington and Fairfax), Maryland, Florida, New Jersey, Pennsylvania, Delaware and Connecticut. Every consultation is free, and your agent is licensed in your state.
Northern Virginia focus areas: Alexandria · Arlington · Fairfax
Pick the path that fits you
We help two groups of people find the right coverage. Choose the one that sounds like you.
Turning 65 or on Medicare
Understand Original Medicare, Medicare Advantage and Supplement plans, and Part D, and pick what fits your doctors and budget. Guidance for people turning 65, new to Medicare, or reviewing a current plan.
Under 65 or self-employed
Lost employer coverage, freelancing, or between jobs? We help you weigh ACA marketplace plans and private options, including subsidies, so you are covered without overpaying.
Medicare Advantage vs. Medicare Supplement
The two most common ways to round out Original Medicare. Here is the plain-language difference.
What is the difference between Medicare Advantage and Medicare Supplement? Medicare Advantage (Part C) replaces Original Medicare through a private plan that usually bundles prescription drugs and extra benefits, using a provider network. A Medicare Supplement (Medigap) works alongside Original Medicare to help pay your out-of-pocket costs and lets you see any doctor who accepts Medicare.
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Doctor choice | Usually a network (HMO or PPO) | Any doctor who accepts Medicare |
| Referrals | Often required for specialists | No referrals needed |
| Prescription drugs | Usually included | Separate Part D plan needed |
| Extra benefits (dental, vision, hearing) | Often included | Not included |
| Monthly premium | Often low, sometimes $0 | Usually higher |
| Out-of-pocket costs | Copays and coinsurance up to a yearly limit | Predictable, most gaps covered |
A
Hospital
Inpatient hospital, skilled nursing and some home health care.
B
Medical
Doctor visits, outpatient care, preventive services and equipment.
C
Advantage
A private, all-in-one alternative that bundles Parts A, B and usually D.
D
Drugs
Prescription drug coverage, offered as a standalone or inside Part C.
Medicare help for real-life situations
If any of these sounds like you or a family member, a licensed agent can help you understand your options.
Who is eligible for Medicare? Most people become eligible at age 65. You may also qualify before 65 if you have received Social Security Disability (SSDI) for 24 months, or if you have end-stage renal disease (ESRD) or ALS.
Turning 65 or new to Medicare
- Turning 65 and eligible for Medicare
- Retiring and coming off an employer group plan
- Self-employed (65+) who worked 10+ years
- Recently lost employer coverage after 65
- Reviewing a current Medicare plan
Special needs & dual eligible
- Medicaid and Medicare dual eligible (D-SNP)
- Qualified Medicare Beneficiary (QMB) and Extra Help
- On SSDI for 24 months or longer
- End-stage renal disease (ESRD) diagnosis
- Chronic conditions that need a special needs plan
Ask about benefits Original Medicare doesn't include
Many Medicare Advantage plans add benefits you may not know you can get.
Do Medicare Advantage plans include extra benefits? Many do. Depending on the plan and your area, benefits can include dental, vision, hearing, fitness memberships, and over-the-counter or flex-card allowances. Availability varies, so a licensed agent can check what is offered where you live.
Dental
Vision
Hearing
Fitness
Flex / OTC card
Clear help in three simple steps
No jargon, no obligation. Just an honest look at the coverage that fits your situation.
Step 01
Tell us about you
Share a few details through the form at the top. It takes about a minute, and there is never any obligation.
Step 02
Talk to a licensed agent
A local, licensed agent walks you through your options and answers your questions in plain language.
Step 03
Enroll with confidence
Choose the plan that fits your needs and budget. We help with enrollment and stay available year round.
Credentialed, compliant, and on your side
Licensed local agents
Every agent holds an active state license and knows the plans available in your area.
CMS compliant education
We follow CMS guidelines for Medicare Advantage and Part D marketing at every step.
A-rated carriers only
We work with companies that carry an A.M. Best rating of A- or better.
WHAT OUR CUSTOMER SAY
Our compliance commitments
- Full disclosure before any appointment or consultation.
- Scope of Appointment documentation completed as required.
- Personal marketing appointments are clearly explained.
- We do not cold call or solicit without proper consent.
Medicare & coverage questions, answered
MEDICARE FAQ
Is the Medicare consultation really free?
Yes. There is no cost or obligation to speak with a licensed agent. Agents are paid by the insurance carriers, so your premium is the same whether you enroll through us or on your own.
When am I eligible for Medicare?
Most individuals become eligible at age 65.
However, you may also qualify earlier due to certain disabilities or conditions. An agent
can help you determine your exact enrollment window.
What is the difference between Original Medicare and Medicare Advantage?
Can an agent help me with Medicare Part D?
Does Medicare cover dental?
Original Medicare does not cover routine dental care such as cleanings, fillings or dentures. Many Medicare Advantage plans include a dental benefit, and standalone dental plans are also available. A licensed agent can show you which options in your area include dental.
What is the difference between Medicare and Medicaid?
Medicare is federal health insurance based mainly on age or disability. Medicaid is a joint state and federal program based on income. Some people qualify for both, which is called dual eligible, and may be able to enroll in a special plan that combines the benefits.
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra amount added to your Medicare Part B and Part D premiums if your income is above a set threshold. The thresholds are updated each year, and an agent can help you understand whether it applies to you.
UNDER 65 / ACA FAQ
What is the difference between ACA and private plans?
Do I need to qualify for subsidies?
Not necessarily. While many people qualify for ACA subsidies based on income, our agents can help you explore both subsidized and private market options to see which path is most cost-effective for your specific financial situation.
Can you help me if I am self-employed or a gig worker?
Yes. Self-employed individuals and gig workers often have fluctuating incomes, making professional guidance essential to navigate tax credits and the best time to enroll in coverage.
Are you a licensed agent? Grow your book with us.
Join a compliant, education-first platform with real local leads across seven states and year-round support.
Are you under 65?
If you are under 65 and need health coverage (freelancers, recently lost your job, and similar situations), our flashcards can help you learn the basic insurance terms. For ACA / Marketplace coverage help, we can connect you with trusted partners.
Education-first Medicare and health-coverage guidance from licensed local agents. Clear answers, no sales pressure.
States we serve
For agents & legal
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. (Confirm exact CMS TPMO wording and carrier counts before launch.)
Not a government program. Not affiliated with or endorsed by Medicare or any federal or state agency. We provide education and help you understand your options. Licensed agents · Free consultations · No sales pressure.