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This is an advertisement from Tekram Marketing LLC—a privately owned and operated non-government entity. We help Medicare recipients connect with third-partner Licensed Insurance Agents to compare their Medicare Supplement, Medicare Advantage, and Medicare Part D Plan options. We are not affiliated with any government entity. There is no obligation to enroll.

Participating sales agencies represent Medicare Advantage [HMO, PPO, and PFFS] organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal. We do not offer every plan available in your area. Currently, we represent multiple organizations that offer many of the products available in your area. For information on all of your options, please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP). The information we provide is limited to the plans we offer in your area.

We are committed to protecting your privacy. If you are a resident of California and do not want us to share your information, please click on Do Not Sell My Personal Information for more details.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. $0 premium plans are not available in all areas. Enrollees must continue to pay their Medicare Part B Premium.

The Part B Premium give-back is not available with all plans. Availability varies by carrier and location. The actual Part B premium reduction could be lower. The standard Part B premium for [2025] is [$185.00]. Monthly savings vary and may be subject to processing delays and may not be immediate. The Part B Giveback Benefit pays part or all of your Part B premium, and the amount may change based on what you pay for Part B.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period or are in your Medicare Initial Election Period. Allowance amounts cannot be combined with other benefit allowances.

The following carriers—[Humana], [UnitedHealthcare®], [WellCare], [Anthem Blue Cross and Blue Shield], [Anthem Blue Cross], [HealthSpring], [Aetna], [HCSC], [Zing], and [Devoted]—offer benefits that may be part of a special supplemental program for chronically ill members with one of the following conditions: [diabetes mellitus], [cardiovascular disorders], [chronic and disabling mental health conditions], [chronic lung disorders], or [chronic heart failure]. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefits. Other requirements may apply. (Kaiser or Highmark are not included as a carrier.)

The [Healthy Options Allowance] [Extra Debit] [Chronic Condition Care Assistance] [Music Therapy] and [Healthy Grocery Allowance] are part of a special supplemental program for chronically ill members on Special Needs Plans with one or more qualifying conditions, such as: [diabetes mellitus], [cardiovascular disorders], [chronic and disabling mental health conditions], [chronic lung disorders], or [chronic heart failure]. Members on other plans must have two or more qualifying conditions. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefits. Other requirements may apply. Please see your Evidence of Coverage for more information.

The HUD requires people who use plan benefits, including but not limited to the [Healthy Options Allowance] [Extra Debit] and [Chronic Condition Care Assistance], to include it in the calculation of income to pay rent and/or utilities. Should you have any additional questions or concerns about what must be included in the calculation of income, please contact your local HUD Field Office.