When should I start learning about Medicare?

Start before your Initial Enrollment Period closes. The right timing depends on your age, current coverage, and whether you are still working, so gather those facts before choosing a route.

Does Medicare plan availability depend on where I live?

Yes. Medicare Advantage plans, provider networks, and drug formularies are local. Your ZIP code and county determine which options are actually available to compare.

What should I compare first?

Start with the doctors you need to keep, the prescriptions you take, and the enrollment window you are in. Premiums and plan features only make sense after those constraints are clear.

The library

Medicare, explained the way I would explain it to my own mother.

No countdown timers, no “limited time” anything. Just the things that actually determine whether this goes well for you. Every piece of jargon on these pages is one tap from a plain definition.

Erekle Niniashvili

Independent Medicare Broker

Licensed in 25 states
NJ · NY · PA + 22 more states

Start here4 min read

3 things Medicare will never tell you (and one that will cost you for life)

Medicare will send you a handbook. It will not tell you which decisions are permanent, which deadlines have teeth, or which door closes behind you.

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Foundations3 min read

The four parts of Medicare, in plain English

A, B, C and D are not four things you buy. They are two things you get, one way to repackage them, and one thing you add. Here is the whole system in five minutes.

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Deadlines3 min read

Every Medicare deadline that actually matters, on one page

Four windows, two permanent penalties, and one date that catches almost everyone. Print this, or send it to whoever is helping you.

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Working past 653 min read

Still working at 65? Read this before you do anything.

Whether you can safely delay Part B comes down to one number: how many people your employer has. Get it wrong and you pay for it every month for the rest of your life.

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For adult children4 min read

Helping a parent with Medicare without taking over their life

You are probably the one doing the research. Here is how to be useful, what to actually gather, and how to keep the decision theirs.

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Getting started4 min read

Turning 65: what to actually do, and when

Your enrollment window is seven months long and it starts three months before your birthday month. Here is what to do in each one, and what it costs to wait.

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Choosing4 min read

Medicare Advantage or Medigap? The trade-off, explained honestly

One route caps your costs and keeps every doctor who takes Medicare. The other usually costs less each month and manages care through a network. Here is how to tell which fits you.

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Watch out5 min read

The "$900 Medicare Food Card" Ad: What It Really Means

Those Medicare food-card ads are not a universal $900 benefit. What it actually means depends on your plan, county, Medicaid status, and eligibility.

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Check your enrollment window →What would a late penalty cost?Compare the two routes

The words nobody defines for you

Tap any term for a plain-English definition. These same definitions appear inline throughout every guide on this site.

Medicare questions people ask first

When should I start learning about Medicare?: Start before your Initial Enrollment Period closes. The right timing depends on your age, current coverage, and whether you are still working, so gather those facts before choosing a route.
Does Medicare plan availability depend on where I live?: Yes. Medicare Advantage plans, provider networks, and drug formularies are local. Your ZIP code and county determine which options are actually available to compare.
What should I compare first?: Start with the doctors you need to keep, the prescriptions you take, and the enrollment window you are in. Premiums and plan features only make sense after those constraints are clear.

Read everything and still have a question?

Good — that means you are taking it seriously. Call or text and I will answer it straight, whether or not you ever become a client.

Call (551) 202-9079 Book a Time Text Erekle Email Erekle

Erekle Niniashvili

Independent Medicare Broker

You reach Erekle directly, not a call center. If he is with someone, leave a message or send a text and he will get back to you.

Medicare, explained the way I would explain it to my own mother.

The words nobody defines for you

Medicare questions people ask first

Read everything and still have a question?

Important disclosures