We compare every Medicare plan available in your area — Advantage, Supplement, Part D, and more — at absolutely no cost to you. Clear answers, zero pressure.
Medicare has four main parts. Knowing what each covers is the first step to choosing the right plan — and avoiding costly coverage gaps.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people get Part A at no premium.
Covers outpatient care, doctor visits, preventive services, and medical equipment. Standard premium in 2026 is $185.00/month.
Also called Part C — a private plan alternative to Original Medicare that bundles Parts A & B and usually adds drug coverage, dental, and vision.
Prescription drug coverage added on top of Original Medicare or a Medicare Supplement plan. Plans vary by formulary and pharmacy network.
We're independent brokers — we represent all major carriers and every plan type. Our only job is finding what's genuinely best for your situation.
An all-in-one alternative to Original Medicare from a private insurer. These plans often include dental, vision, hearing, and prescription drug coverage — many with $0 monthly premium.
Works alongside Original Medicare to cover your share of costs — deductibles, copays, coinsurance. Use any doctor in the US who accepts Medicare, no referrals required.
Standalone prescription drug coverage for people with Original Medicare or a Supplement plan. We'll check your exact medications against every available formulary to find the lowest cost option.
Even with great Medicare coverage, a hospital stay can still leave you with unexpected bills. Hospital Indemnity Insurance pays you cash directly — use it however you need.
Receive a daily cash benefit for every day you're hospitalized. No restrictions on how you spend it — bills, rent, groceries, whatever you need.
Since this isn't health insurance, you receive benefits no matter which hospital you're admitted to — anywhere in the US.
Your policy cannot be cancelled because of age or health changes, as long as premiums are paid on time.
Three simple steps to finding the right Medicare coverage — no confusing jargon, no high-pressure sales tactics.
Share your zip code, current doctors, prescriptions, and budget. It takes less than 5 minutes — no personal information required to get started.
Your licensed Instacare advisor reviews every plan available in your area and builds a clear side-by-side comparison tailored to your specific needs and budget.
We walk you through enrollment step by step and stay by your side at every annual renewal — reviewing your plan every year to make sure you're still in the best option.
Most people don't realize their Medicare agent matters as much as their plan. An independent broker like Instacare gives you access to every carrier — and advice that's always in your corner.
We're compensated by carriers when you enroll. That means expert Medicare guidance costs you nothing — the same premium whether you use us or not.
We follow strict privacy and data security standards. Your information is only used to help match you with the right Medicare coverage — never sold to third parties for marketing.
Missing your enrollment window can cost you lifetime penalties. We make sure you enroll at the right time and never miss a deadline.
Timing matters. Missing the right window can lock you out of coverage or create lifetime penalties. Here's what you need to know.
Don't miss your window. The Part B late enrollment penalty is 10% added to your premium permanently for each 12-month period you were eligible but didn't enroll. Our advisors help you navigate timing and avoid these costly mistakes — call us before you turn 65.
Still have questions? Browse our most common ones — or call us and we'll walk you through anything.
Don't take our word for it — here's what our clients say about working with Instacare.
"I was completely overwhelmed trying to understand Medicare on my own. My Instacare advisor explained everything clearly and found me a plan that saves me over $200 a month. I wish I'd called sooner."
"They didn't push me toward the most expensive plan — they genuinely found me what I needed at a price that made sense. And every year at renewal, they call me to make sure I'm still in the right plan."
"I had a billing issue with my hospital stay and my Instacare advisor helped me sort it out with the carrier. That's not what I expected — I thought once I enrolled, they were done. Not even close."
"My husband and I were both turning 65 the same year and had no idea where to start. Our Instacare advisor walked us through everything — we ended up on different plans that each fit our needs perfectly. Could not have done it without them."
Speak with a licensed Instacare advisor right now — or share your info and we'll have an advisor reach out shortly. No cost, no obligation.
Original Medicare doesn't cover routine dental or vision care. We help you find affordable standalone plans that fill that gap — so you're never caught off guard.
From routine cleanings to major procedures, dental costs can be significant in retirement. We shop plans from all major carriers to find the right coverage at the right price.
Annual eye exams, prescription glasses, and contacts aren't covered by Original Medicare. A standalone vision plan keeps your eye health affordable and your prescriptions current.
Life insurance isn't just for the young. At Instacare, we help seniors and families find the right coverage — whether it's protecting income, leaving a legacy, or simply covering final costs.
Coverage for a set period — 10, 20, or 30 years. The most affordable way to get a large death benefit. Ideal for income replacement, mortgage protection, or covering a specific financial obligation.
Permanent life insurance that never expires and builds guaranteed cash value over time. A powerful financial tool for wealth transfer, estate planning, or simply the peace of mind that your family is always protected.
A small whole life policy designed to cover funeral, burial, and end-of-life costs so your family isn't left with the burden. Easy to qualify for — no medical exam required in most cases.
We offer some of the most unique products in the industry across all verticals — designed to create and maximize cash flow while generating revenue through multiple streams. If your agency is serious about scale, let's talk.