Independent Medicare Advisement
Medicare Coverage That Works for You.
Personalized guidance to help you navigate Medicare — without the confusion, at no cost to you.
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Personalized guidance to help you navigate Medicare — without the confusion, at no cost to you.
Whether you're enrolling for the first time or looking to optimize your current coverage, we guide you every step of the way.
We compare all available Medicare Advantage and Supplement plans in your area to find the right fit for your health needs and budget.
Life events like moving, losing coverage, or qualifying for Extra Help may let you change plans now — not just during open enrollment.
A hospital stay can come with unexpected out-of-pocket costs even with Medicare. Hospital Indemnity plans pay you a fixed cash benefit for each day you're hospitalized — helping cover copays, deductibles, and everyday expenses so you can focus on recovery, not bills.
We help you find a prescription drug plan that covers your medications at the lowest possible cost.
Our relationship doesn't end at enrollment. We're here year-round to answer questions and review your coverage as your needs change.
As an independent advisor, Matthew Michelsen has no allegiance to any single insurer. His only goal is finding the plan that's right for you.
We work with multiple carriers and have no quota or incentive to steer you toward any one plan.
Our services are completely free. We're compensated by the insurance companies, not by you.
Based in New Jersey, we understand the local market and provide the personal attention you deserve.
Questions don't wait for open enrollment — and neither do we. Reach us anytime.
A short conversation can save you thousands of dollars and months of confusion. Reach out — there's no obligation and no cost.