I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?

Question

Steve and Sue Brauer · Accepted Answer

My advice to people is to put all of it aside. If you try and read all of it your head will explode. Find an Independent Medicare Broker and use them as your Adviser, their services are free and if you choose one that only does Medicare, you'll be getting an expert

Answered by Steve and Sue Brauer on April 18, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Gary Church · Answer

The best thing is to schedule a meeting with a licensed Medicare agent who can guide you through your options. Make sure you understand all your options.  Compare MediGap vs Medicare Advantage.

Mark Bilgere · Answer

Ignore all of it and ask people you trust who they consulted for their Medicare. Find a local broker who you can meet with to discuss your situation. Personal referrals will be better than responding to unsolicited mail and phone calls.

Answered by Mark Bilgere on April 7, 2026

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

William Lawler · Answer

Ignore all the Medicare mailings you are receiving. Find yourself a knowledgeable Medicare broker who can help you find the best health plan that suits your needs.

Terri Reagin · Answer

What you have to understand is that what you're getting in the mail is advertisements. There are a lot of different Medicare companies with a lot of different plans, and they're just sending you advertisements. So advertisements can be thrown away if you're going to contact a local agent. What they're going to do is filter through all of those plans and help you find the best coverage for you. That would be my suggestion. Otherwise, you don't half the time know what you're looking at or what your alternatives are. I hope this helps.

Christopher Boyd · Answer

Many seniors prefer to meet with a local agent, face-to-face to review and medical and prescriptions necessities that require coverage. Be sure to ask a lot of questions and take time to review your Medicare and You Handbook, which is sent out through the mail after you enroll into Medicare Parts A & B. One of the biggest needs, and misunderstandings, which is explained in your Medicare book, is that Long Term Care is NOT covered by Medicare Supplemental or Advantage. A separate policy is required to cover this expensive care requirement.

Answered by Christopher Boyd on August 1, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Voss Speros · Answer

Good question, keep an eye out for anything from Medicare.gov or the Social Security Department, those are keepers. 

If it is from an insurance carrier set those aside to skim through. If you call a carrier they will talk you into their products. 

Skim through the rest to read up on Medicare info. Lots of companies and agents send confusing materials to get you to call. If it is confusing, trash it or shred it. 

If you see something you like or recognize give them a call. Make sure ask what insurance carriers they contract with... you don't want to get pigeon holed into one thing. 

Give us a call, we can help sort out the mess see whats going to work best for you.

Tony Capraro III · Answer

Throw all of it in a bag for recycling! Work with a Professional who's been helping folks for decades with Medicare Planning! Work with someone who can offer BOTH Medicare Supplement/Medigap AND Medicare Advantage and make sense of the "Medicare Alphabet Soup" for you! WE do that! WE make is simple and understandable! You got this!

Answered by Tony Capraro III on April 3, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Lynn C Shurtleff · Answer

The best thing to do is throw it all away and find a good, honest local agent to help you make the right choices. Not all local agents are honest either but try to find one that has YOUR best interest as the focus and not what their commission will be.

Answered by Lynn C Shurtleff on September 8, 2025

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Shelly Hefley · Answer

Make life easy, talk to an agent! I have people every week who spent hours and hours or called an 800 number and regretted it every time. Especially when you are turning 65 - there are important decisions to be made and information that these 800 numbers don’t tell you. They’re on a time crunch they work by the phone call so they wanna make it short sweet sign up move on. Talk to an agent who will become your friend for life!

Answered by Shelly Hefley on August 15, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

Try a Google search for "Medicare agent near me" and see what pops up. Medicare insurance agents must pass annual testing requirements and are generally knowledgable and helpful. Talk to an agent! It should be pretty clear to you that the agent at the other end of the phone line knows what he / she is talking about. Ask questions such as, "how long have you been recommending Medicare insurance," and "do you represent all of the major Medicare plans in my zip code." That's a good starting point.

Answered by Clarence "Mark" Christiansen on June 1, 2026

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Steven Lovell · Answer

1. Prioritize Current Plan Mail:
Even if you're switching plans, open and read mail from your current health or drug plan(s). This will help you understand your current coverage and any important information before your new coverage starts. 
2. Sort mail between Medicare Supplement or Advantage 
3. Meet with an unbiased agent to help determine plan best for your situation.

Justin Doherty · Answer

The easiest way to sort through the "mail mess" is to find a good agent that can help you. He or she will be able to explain the differences between the various plans and types of coverage. That way you can get rid of most of that annoying mail and any time you have a question, you can reach out to a real human being that you trust!

Answered by Justin Doherty on September 26, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

Nick Mangini · Answer

You should immediately speak with a licensed professional, especially a broker and not a one-carrier agent. Don’t sort through it yourself. We help thousands of seniors turning 65 get educated so you can feel confident in your plan choice. Let us help you!

Answered by Nick Mangini on September 11, 2025

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Cody Biggs · Answer

I recommend you to contact me so I can simplify things, explain your options, and help you create a burn pile for all the advertisements.

Michelle Sparks · Answer

The turning age 65 market is one of the most targeted demographics right now, with baby boomers reaching the peak of the magical Medicare age- 65! 

The best way to navigate the complexities of Medicare is to work with a professional licensed personal broker that is contracted with multiple carriers and has your best interest at heart. An independent broker does not work for a specific carrier, they work for you. 

A personal broker will work with you to detail out your financial and health status to ensure that you select the right plan for you. They will also ensure you do things timely to avoid lifetime penalties on your premiums. 

This decision is very individual, there is no cookie cutter approach. You should reach out to a local independent broker at 3-6 months before turning 65 or becoming eligible for Medicare (if disabled).

Patricia &#039;Tif&quot; Bush · Answer

It’s wise to consult with an agent like me, who has over 20 years of experience with Medicare plans. There are lots of questions that need to be answered and information collected before someone can help you with choosing the plan that best suits your needs. I am Insurance With T, LLC. Contact me.

Answered by Patricia 'Tif" Bush on September 16, 2025

Broker Licensed in ct, FL, NC & SC

Answered by Patricia 'Tif" Bush Medicare Insurance Agent

Robert Lukasik · Answer

As an agent I help my clients sort through their mail and keep what may be important and throw out what is not. I also show them what mail to respond to and what mail will generate more mail and phone calls.

Answered by Robert Lukasik on September 18, 2025

Broker Licensed in NY, FL & PA

Answered by Robert Lukasik Medicare Insurance Agent

Robert Simm · Answer

I'm sorry that you're having to go through that but unfortunately since you are turning 65 a lot of the insurance companies are responsible for this type of marketing along with maybe some smaller brokerage firms. I would recommend contacting your local health insurance broker which you can find easily on Medicare agents hub and that would probably be the best solution when you're coming into Medicare for the very first time.

Answered by Robert Simm on April 7, 2025

Broker Licensed in NC, AL, AR & 15 other states

Answered by Robert Simm Medicare Insurance Agent

Sandy Johnson · Answer

This is normal when you are approaching 65. However, it would be to your advantage to contact a local licensed agent in your area to go over your the details of Medicare and to make sure that you understand your options in order to make an informed decision about your healthcare.

Answered by Sandy Johnson on March 23, 2026

Broker Licensed in LA, AL, AR & 11 other states

Answered by Sandy Johnson Medicare Insurance Agent

Mark Garrett · Answer

Medicare enrollment can be confusing on the best of days. That is why I always recommend using a broker. As a broker I write for all of the top companies. I know the questions to ask, such as who your doctors are, and what medication do you take. I also help you decide what your budget is. I look at factors that are important to you to best manage your health. The best part is you never pay me a fee. Insurance companies pay us.

Answered by Mark Garrett on December 23, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Mark Garrett Medicare Insurance Agent

Justin Scheiner · Answer

Medicare mail is designed to overwhelm you — and confuse you into bad decisions. As your broker, I cut through the noise. If it’s not from Social Security, shred it. I personally deliver your real documents, ID cards, and updates, so you stay informed, protected, and in control.

Answered by Justin Scheiner on April 21, 2025

Agent Licensed in FL, CO, CT & 5 other states

Answered by Justin Scheiner Medicare Insurance Agent

Marc Rheingold · Answer

Find a local licensed independent broker that writes both Medicare supplements and Medicare Advantage Plans to explain the difference in plans so you can make the best decision

James ONeal · Answer

It's completely normal to feel overwhelmed by the amount of mail you receive as you approach Medicare eligibility. Insurance companies are eager to reach potential customers, and the volume of mail can be significant. 

Understand the Different Types of Medicare Mail:

Official Medicare Information (from CMS): This is the most crucial mail to pay attention to. 

It includes things like your Medicare card, the "Medicare & You" handbook, and important notices about enrollment periods, benefits, and costs.

Marketing from Medicare Advantage and Part D Plans: These are plans offered by private insurance companies that work with Medicare. 

You'll likely receive a lot of promotional material from these companies trying to convince you to enroll in their plans.

Mail from Third-Party Brokers: These companies or agents represent multiple insurance plans and may send you information or solicitations.

Jane Ahrens · Answer

95% of it is all solicitations. They work best in your circular file! Find yourself a broker you want to work with and sit down with them soon. There are many factors to consider when choosing a plan, and those advertisements don't tell you what you really need to know. What doctors do you see... what prescriptions do you take... are you snowbirds? ... are all important considerations.

Answered by Jane Ahrens on October 13, 2025

Broker Licensed in NY, AL, AZ & 16 other states

Answered by Jane Ahrens Medicare Insurance Agent

Melanie Baxter Black · Answer

The best way to "sort through all this" is to find an Independent Insurance Agent that you can trust to guide you. An Independent Insurance Agent is contracted with different carriers and can shop plans for you instead of being beholden to one company like "captive" agents. You will also be able to contact your trusted Agent after the sale for help with questions and issues, shoud they arise.

Answered by Melanie Baxter Black on April 3, 2025

Agent Licensed in TX

Answered by Melanie Baxter Black Medicare Insurance Agent

Timothy Baggett · Answer

It can definitely be overwhelming knowing which way to turn. I would recommend seeking out a local certified agent that has been in the industry a few years and has developed a solid reputation. They will be able to provide proper guidance and help you pick out a program tailored to your individual needs. Beware of any agent that try’s to steer you in one certain direction without first finding out your needs, such as providers, medications, health status and your lifestyle as this information is vitally important in helping you make an informed decision.

Answered by Timothy Baggett on February 17, 2026

Broker Licensed in FL

Answered by Timothy Baggett Medicare Insurance Agent

Jennifer Melancon · Answer

The amount of mail is definitely overwhelming when coming into Medicare. I always will suggest meeting with an agent in person and going over all of Medicare together and getting specifics about your own personal situation. If you get along with that agent then sign up through them, letting them do all the work for you.

Answered by Jennifer Melancon on November 19, 2025

Agent Licensed in FL & VA

Answered by Jennifer Melancon Medicare Insurance Agent

Jeremy Purse · Answer

First thing is to confirm whether or not you need to apply for Medicare Part A & B.  This will typically happen automatically if you are already collecting Social Security.  If you are not, you will need to apply online at Medicare.gov or go in person to the Social Security Office.  

Second will be to schedule a meeting with me either over the phone or in person.  We can go over the plans that accept your Medical Group/Doctors as well as do a comparison on the cost of your prescription drugs.  Give me a call with any questions.

Rodney Turner · Answer

I would strongly recommend that you reach out to a broker to help you. There are many companies and agents that will send you mail. 
When you work with a local broker, you can meet in person he/she should be knowledgeable about the local market and should be able to provide you with the best service.

Ted Wallus · Answer

Search for a local independent broker and have them educate you to Medicare. 

If they pass your “gut check”, have them:

1) do a deep dive on plan recommendations
2) make sure they provide context to why they are recommending the plans they are
3) have them show you both a Supplement/Medigap and Medicare Advantage solution with cost estimates. 
4) get prescription copays, too.

Then, become a client and connect annually to review your plan and throw out the junk mail!

Steven Bleicher · Answer

Please ,dump the mailings sent to you as they only cover a small part of Medicare. It is better to interview 2-3 agents so that they together would reveal most of the rules and the “quirks” of the system.

Answered by Steven Bleicher on May 29, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Please have a  meeting with and use the assistance of a Broker. Go over Medigap Insurance and Medicare Advantage plans. Ask questions. Then you have this person for the next Open Enrollment.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Steve Houchens · Answer

You will be bombarded with junk mail from many sources and your best option is to find an agent you trust to guide you through your choices. Unfortunately I don’t know a way to stop the mail. I am an agent and on Medicare myself and I receive mail and sales calls regularly. Calls are a little easier to stop sometimes but mail is a little different due to the fact that there is no regulations against mailing like there all for unsolicited calls

Answered by Steve Houchens on July 12, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

My advice is to consult with a broker, such as myself to educate you on Medicare first and then go over plan options before you commit to signing anything, enrolling in a plan or giving up your Medicare ID. If you want a no cost, non-biased consultation where I can show & tell you everything you need to know so that you can make an informed decision on your healthcare options, contact me or email me.
Thank you,

Tim Brown

Terry Salak · Answer

Your best bet is to find a local Medicare Specialist to walk you through this process.  With professional help you won't feel so overwhelmed.

Deb Haley · Answer

Most all of the companies that offer a Medicare product starts sending marketing materials to prospective members several months before the member is turning 65. The amount of mail you receive can be overwhelming. For help comparing all the various plans and types of Medicare coverage you should go to Medicare agents hub put in your ZIP code and find a local broker who can help you with the process of choosing a plan and enrolling.

Answered by Deb Haley on August 4, 2025

Broker Licensed in MA, AZ, CA & 11 other states

Answered by Deb Haley Medicare Insurance Agent

David Silver · Answer

Make sure you work with some one that will present all your options based on your needs. If the broker/agent is good they will ask you a series of questions that will determine what coverage you will need.

Answered by David Silver on May 6, 2025

Broker Licensed in FL, NJ & NV

Answered by David Silver Medicare Insurance Agent

Frank Woerner · Answer

First step: If you don't have a Medicare card and need to enroll, enroll now. As far as selecting a supplement plan, basically there are two choices. Medicare Supplements and Part C Medicare Advantage plans. Many choose to research them online. A better choice might be to find a "local" Medicare insurance agent. They can explain everything and assist you with enrollment in a plan that fits your needs.

Answered by Frank Woerner on May 25, 2026

Broker Licensed in IN & IL

Answered by Frank Woerner Medicare Insurance Agent

David Haynes · Answer

This is just my opinion of course, but I would not be interested in the large national call center advertisements. I would instead focus on advertisements from local people in the industry who understand the area plans, will take the time to work with you, and (this is very important) be there to help year round if there is a problem or questions. Sometimes a local agent may not send out mailers but are very competent and have been around and will be around to help. Research the agents in the area. As a (near) senior eligible in just a few short months, this is the advice I would give.

Answered by David Haynes on September 22, 2025

Broker Licensed in TX

Answered by David Haynes Medicare Insurance Agent

Brian Kulis · Answer

The best thing to do is to put all of the mail into a recycle receptacle. The next step is to call a local agent that can navigate you thru the plans!

Cheryl Lockhart · Answer

Here’s how to simplify it:

1. Separate official mail from ads.

Letters from Medicare or Social Security are important. Most other colorful postcards are advertisements.

2. Don’t panic over “urgent” language.

You have a 7-month Initial Enrollment Period.  There is time to make a smart decision.

3. Focus on your three main paths.

You’ll generally choose between:
Original Medicare
Original Medicare, a Medicare Supplement and a Drug Plan
Medicare Advantage

Once you understand your options, the mail stops feeling overwhelming.

4. Work with an independent agent who works for you and not one company.

An independent, licensed agent can compare multiple plans, explain everything in plain English, and help you choose what fits your needs. Instead of calling 10 different mailers, you get one clear, personalized conversation.

Turning 65 doesn’t have to be overwhelming. With the right guidance, Medicare can be understood more easily.

Michael Crocker · Answer

Ignore the mail unless it's from Social Security. Then, ask friends, family, etc. for the name of a good independent broker to help you navigate through turning 65. Treat your search for a broker like you would if you were moving into a new area and needed to find a doctor or auto mechanic. Like a doctor, a licensed broker is licensed, trained, and insured to help you. Make sure the broker is independent (not beholden to any single company) and offers both Medicare Supplements and Medicare Advantage plans so that he or she can fairly and intelligently explain the pros and cons of each.

Answered by Michael Crocker on April 13, 2025

Broker Licensed in SC

Answered by Michael Crocker Medicare Insurance Agent

Craig Kirscht · Answer

I know—easier said than done, right? But honestly, that’s the best way to cut through all the noise. A lot of that Medicare mail you’re getting is from big, out-of-state marketing companies. Sure, some of it might be from a local advisor—but most of it? Junk.

If you want real help from someone who actually knows your area—and cares. Makes all the difference in the world to have someone you are comfortable with.

Patricia Stiffler · Answer

The best thing to do is to work with an agent who specializes in Medicare. Once we know what is important to you, we can find the plan that fits those needs.

Marsha Webster · Answer

You’re not alone — almost everyone who turns 65 gets buried by all this Medicare mail! The reason you’re getting so much is because there are dozens of private insurance companies offering all kinds of Medicare Advantage, Part D prescription drug plans, and Medicare Supplement (Medigap) plans. They’re all competing for your business.

The good news is you don’t have to sort through all of it. The most important thing is to make sure you:

Enroll in Original Medicare (Parts A & B) through Social Security when you’re first eligible.

Decide if you’d like to add a Medicare Advantage plan (all-in-one coverage) or keep Original Medicare and pair it with a Medicare Supplement and Part D plan.

From there, the right choice depends on your health, budget, prescriptions, and the doctors you want to keep. My job is to cut through the clutter and compare only the plans that meet your needs, so you don’t have to spend hours reading every piece of mail.

Sabrina Mitter · Answer

Everything you are getting in the mail is marketing pieces. They are there to create urgency. Sometimes marketing material can work things in a way that sounds scary or pressuring. Fina a agent you trust and they will tell you what you need to know and answer all of your questions and that mail can go in the recycling bin!

Answered by Sabrina Mitter on March 2, 2026

Agent Licensed in OH

Answered by Sabrina Mitter Medicare Insurance Agent

Fred Manas · Answer

To navigate the influx of Medicare mail, start by focusing on mail from your current plan and Medicare.gov, then review the information carefully and consider seeking guidance from a Medicare advisor or State Health Insurance Assistance Program (SHIP). 
Here's a step-by-step approach:
1. Identify Key Mail:
Focus on mail from your current Medicare plan (if you have one) and from Medicare.gov. 
2. Open and Review:
Open and read the mail, paying attention to the purpose and any deadlines or actions required. 
3. Seek Assistance:
If you're unsure about any information or feel overwhelmed, reach out to a Medicare advisor at The Senior Source or your local SHIP. 
4. Utilize Medicare.gov:
Visit Medicare.gov to find information about your current plan, enrollment periods, and other Medicare-related topics. 
5. Check for Legitimacy:
If you receive mail that appears suspicious, contact 1-800-MEDICARE for verification. 
6. Review Enrollment Options:
If you're considering changing plans, explore your options during the Annual Open Enrollment Period (October 15 - December 7) or a Special Enrollment Period, which may occur for specific circumstances. 
7. Get Help from an Advisor:
If you feel overwhelmed or uncertain about the information, consult with a Medicare advisor or a State Health Insurance Assistance Program (SHIP) counselor for personalized guidance. 
8. Understand Your Rights:
Be aware of your protections under Medicare, such as the right to appeal coverage decisions or receive an Advance Beneficiary Notice (ABN) if a service is not covered.

Mark Boone · Answer

The best thing you can do is talk to a licensed Medicare certified agent in your area that can help you sort through your options and steer you in the right direction. Assuming you qualify for Medicare Part A, you will receive that automatically at age 65, then you need to apply for Part B. Once you have both Part A and Part B, you will need to decide if original Medicare is right for you or having a Medicare Supplement (Medigap) or Medicare Advantage Plan. That is where a certified agent would be able to help you most.

Answered by Mark Boone on March 2, 2026

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

Marcie Barnes · Answer

It's in your best interest to speak with a licensed professional agent to sort out what your needs are.  Finding a plan that serves you best is the end goal.

Todd Bostic · Answer

Unfortunately, when you turn 65, the amount of Medicare mail you receive doesn’t change until the day you die, and even then, it takes a few years to stop.

Jennifer Kalbach · Answer

My recommendation would be to focus on getting set up with Medicare Part A and Part B and reach out to a local agent you can sit down with face to face to go over options. There are a lot of scams out there, face to face with a local agent may be a better choice.

Answered by Jennifer Kalbach on December 23, 2025

Agent Licensed in KY

Answered by Jennifer Kalbach Medicare Insurance Agent

Carol Conner · Answer

I am an independent insurance agent that represents all companies involved with Medicare. I would be glad to come out and visit with you about the process or you can schedule an appointment in my office. We can do it on the phone. Whatever’s most convenient for you.

Answered by Carol Conner on March 30, 2026

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

Karen Ansell · Answer

I have been selling Medicare insurance for 37 years and I just turned 65 in February and my mail box is full everyday. I would advise to speak with a local broker who represents many companies. They should ask for a list of your doctors, hospitals, medications and preferred pharmacy to do the research for you. 
Your first choice is going to be Medicare Supplement or Medicare Advantage plan. The broker can explain the differences for you.

Cheryl Lyons · Answer

Totally normal—and you’re not alone. Turning 65 triggers a marketing avalanche, and most people feel buried under it. Let’s make it manageable instead of maddening.

First: know why you’re getting all that mail

When you turn 65, your name goes on a public Medicare eligibility list. Insurance companies and agents are allowed to market to you, which is why it suddenly feels nonstop.

How to sort through it without losing your mind
1. Separate education from advertising

Official Medicare info

“Medicare & You” handbook

Mail from Social Security or CMS
👉 These are worth keeping.

Everything else = ads

“You may be missing benefits”

“Extra money back”

“No cost plan”
👉 These are marketing pieces, not personalized offers.

2. Don’t call the 800 numbers on random postcards

Those usually go to:

Large call centers

Agents who can only sell one company’s plan
They don’t know your doctors, meds, or situation—and they’re paid to push their plan.

3. Focus on what actually matters

Ignore the flashy promises and ask these questions instead:

Do my doctors accept this plan?

Are my prescriptions covered and affordable?

What are the max out-of-pocket costs?

Can I see specialists easily?

Do I want Medicare Advantage or Original Medicare + supplement?

If a mailer doesn’t clearly help answer those questions, it’s not important.

4. Pick one trusted source (not 20)

Instead of reacting to every piece of mail:

Choose one knowledgeable, independent Medicare agent

Or use Medicare.gov as your baseline
Once you have a plan, the rest of the mail becomes noise.

5. You can reduce the junk

Opt out at OptOutPrescreen.com (cuts down insurance/credit offers)

Write “Refused” and return mail you don’t want

Register your number on the Do Not Call Registry

One last reassuring truth

There is no prize for choosing fast and no penalty for ignoring the mail.
You have a 7-month Initial Enrollment Period—you don’t need to decide based on fear or pressure.

Charles Borg · Answer

The best thing you can do is to ignore all the propaganda and just get regular Medicare. It’s the easiest and best solution for you.

Jim Willis · Answer

Get a good agent, like me, to go over all of your doctors, prescriptions and needs and compare to all of the plans available in your area and help you determine what is best for you.  Throw away all the other stuff!

I'm 70 and I get the same crap and the same calls!

William Scott · Answer

Consider consulting with a Medicare Advantage Broker that can advise you on and compare what plan(s) address you need(s); that's accepted by your PCP and Specialist(s) and offer affordable prescription drug coverage in your budget.

Answered by William Scott on May 27, 2025

Broker Licensed in GA, CO, NC, OH, SC & TX

Answered by William Scott Medicare Insurance Agent

Adam Morillo · Answer

Great questions, and I'm sure it can feel overwhelming. It's best to talk to a broker who has access to all major carriers and plans to help educate you and all your options and needs.

Mark Murphy · Answer

Hi,
The best way to sort through all of the mail is to find yourself a local broker who can guide you through your Medicare enrollment.  The broker will be licensed with a number of plans in your area and can help you decide on the best plan that fits your medical and prescription needs.  It would be easier for you to have a knowledgeable professional that can answer all of your questions than talking to a voice on the phone.

John L Herman Jr · Answer

STOP pouring through all of that mail and find an Independent Broker to guide you through the process.  Ask Google to find a Broker in your area who will know what the local options are for you.

A Broker can walk you through the application process to obtain your MEDICARE CARD and then take the time to research your drugs, your budget, your pharmacies, which Doctors accept which Plans and give you the comfort that you are getting the right Plan.

William Murray · Answer

Most of the information is an attempt to entice you to make a call by promising a lot of $0 costs to you for a lot of different benefits.
It's true that there are a lot of $0 cost benefits available, but not all on one plan. Every plan has a certain amount of benefits for $0 cost depending on each plan's own actuarial analysis of costs.
Generally, more $0 or low cost benefits are more available to folks who qualify, because of lower incomes, for extra help or who qualify for Medicaid. 
(Medicaid is what we used to refer to as "welfare".)
To sort through the information, look for advertisements which talk about finding the right plan for your specific situation, not the plans promising a lot of $0.
Look for someone more interested in answering your questions, helping you feel comfortable, making sure you can keep your doctor and get the care you need.
Look for someone who will work for you at your speed, not someone pushing you to buy.
It's you who is important, not me.

Adam Paul · Answer

You get through this by contacting me.

Ashley King · Answer

I can completely understand how overwhelming all the mailers can be as you're approaching 65. Just keep in mind the truly important notices come from Social Security directly. Independent brokers like me are not tied to one insurance company. This allows us to compare plans across multiple carriers, explain the differences and guide you to coverage that truly fits your need and budget.

Answered by Ashley King on November 24, 2025

Broker Licensed in MD, AL, AR & 9 other states

Answered by Ashley King Medicare Insurance Agent

Jerry Cohen · Answer

Cnsumers cannot be expected to wade through all the advertising they receive AND make sound choices. Medicare agents who have years of experience and lost of product knowledge are the best source of making a good selection for Medicare supplemental coverage.

Answered by Jerry Cohen on October 14, 2025

Broker Licensed in NY

Answered by Jerry Cohen Medicare Insurance Agent

Kris Neupauer · Answer

The easiest and best thing for you to do is to contact an agent or broker that is local or at least lives in Minnesota. I can help you if you would like it. My name is Kris.

Mark Walker · Answer

The mail you’re receiving is not for me so you can throw it all away if you choose to do business with me. It’s my job to help you navigate the Medicare maze and find the right plan to fit your needs.

Answered by Mark Walker on September 8, 2025

Agent Licensed in FL

Answered by Mark Walker Medicare Insurance Agent

Kathleen Gonzales-Byrd · Answer

As a priority, you should continue to identify any mail from: the Social Security Administration (SSA) or the Center for Medicare and Medicaid (CMS), both federal government agencies associated with Medicare. Correspondence from both these federal agencies are typically easy to identify. Next, I would recommend you establish a trusting relationship with a Medicare Agent who can provide you with a thorough review of your Medicare options and assist you in your decision making enrollment process. Once you have conducted these two steps, you ignore and dispose of any commercial Medicare mail you are receiving.

Answered by Kathleen Gonzales-Byrd on February 9, 2026

Agent Licensed in PA, KS, MD, NJ & NY

Answered by Kathleen Gonzales-Byrd Medicare Insurance Agent

Stanley Wittenberg · Answer

Call an agent who will come out and show you how programs work. 
Need to have everything evaluated for your future needs

Christopher Stewart · Answer

Go to Medicare Agents Hub online and find a reputable agent there. You will continue to be inundated with mail, and unfortunately, phone calls. I would love to help you navigate the complicated Medicare world!

Answered by Christopher Stewart on October 17, 2025

Broker Licensed in FL, AL, AZ & 6 other states

Answered by Christopher Stewart Medicare Insurance Agent

Jessie Rhodes · Answer

First let me say happy early birthday. Now let's get to the your question the first thing that you need to figure out if you are going still be working if so do other's depend on my employee health coverage if the answer is yes then you would contact Social Security so that you could delay your part B coverage, if the answer is no then you want to contact an agent to schedule an appointment so that you could address all of your needs and wants when exploring your options. I hope this help

Answered by Jessie Rhodes on June 1, 2026

Agent Licensed in TX, AL, AR & 24 other states

Answered by Jessie Rhodes Medicare Insurance Agent

Gina Pranzitelli · Answer

I would look for your Medicare and you booklet. This covers everything you need to know about Medicare and all the different options available to you. I will also be glad to give you my contact information incase you have any questions.

Answered by Gina Pranzitelli on February 16, 2026

Agent Licensed in TX, AZ, CA & 22 other states

Answered by Gina Pranzitelli Medicare Insurance Agent

Mila Grayevsky · Answer

Set aside all the ads and postcards for now and only keep mail that’s clearly from Medicare, Social Security, or a plan you’re seriously considering. Then, talk with a local SHIP counselor or trusted agent and use just a couple of key pieces (your “Medicare & You” book, your Medicare card, and one comparison sheet) to walk through your options together.

Answered by Mila Grayevsky on February 23, 2026

Broker Licensed in NY, FL, NC, NJ & TX

Answered by Mila Grayevsky Medicare Insurance Agent

Darko Bozic · Answer

I would assume that most of the mail is advertisments from insurance companies. Make sure you open and read any official mail from government agencies and the find a local insurance agent specializing in Medicare to explain your options at no charge

Answered by Darko Bozic on May 1, 2025

Broker Licensed in OH

Answered by Darko Bozic Medicare Insurance Agent

Crystal Burney · Answer

Please do not try to figure out all of that mailed mess to you on your own. You are most likely receiving a ton of marketing material,that is not really from medicare. Get in touch with a local agent that can come and meet with you in person and educate you on what is valuable mail and what is noise..

Answered by Crystal Burney on January 5, 2026

Agent Licensed in AR, OK & TX

Answered by Crystal Burney Medicare Insurance Agent

Stacy Cogar · Answer

Yes, it can be very overwhelming when first enrolling into medicare. So much mail and a barrage of calls daily (if not hourly) from different marketing companies. Medicare has many moving parts and it is best to speak with a reputable, licensed agent to help guide you in your decision making process.

Answered by Stacy Cogar on March 23, 2026

Broker Licensed in OH, AL, AR & 32 other states

Answered by Stacy Cogar Medicare Insurance Agent

Adriana De la Cruz · Answer

Navigating Medicare can be confusing with all the mail you receive. To simplify things and make the best decision for your needs, consider consulting with a licensed insurance agent specializing in Medicare. If need help don't hesitate to contact me.

Answered by Adriana De la Cruz on May 23, 2025

Broker Licensed in TX, AZ, CA & NM

Answered by Adriana De la Cruz Medicare Insurance Agent

Jennifer Dixon · Answer

Throw all of it away and get in touch with a local independent agent.  They will know the area and help you go through each carrier and choose the right plan for you.

Aimee Butler · Answer

I would suggest finding a local agent who represents multiple insurance carriers.  This way you can sit and discuss your needs and make sure you are getting a plan that fits what you need it to do.  There should never be a fee to meet with an agent because we get paid by the carrier when we write a plan.  There should never be pressure by the agent for you to enroll with them.  If you are not comfortable with that person, find someone you like because this will be the person you will want to work with going forward as your needs change.

Maxine Rosen · Answer

To keep your decisions simple, take all the mail you receive about Medicare and throw it away! Much of what is sent out is misleading.  

Ask around for a local agent who is NOT Captive to one company to get an unbiased and helpful determination of what Medicare Plan will be most suitable for you.

Josh Vojtush · Answer

Good luck to you! The only mail that is typically important will come from the Centers for Medicare & Medicaid Services (CMS) of the U.S. Department of Health and Human Services (DHHS), or the Social Security Administration (SSA). Other mail sources such as Medicaid or your current health plan would be important as well. I would suggest that you find a broker that you feel good about working with to navigate such an important process.

Marie Smith · Answer

The best way to sort through it is to ignore the pile, look at the actual Medicare basics first, and then compare plans based on your doctors, your prescriptions, and what you can afford each month. All of the Medicare mail coming in before 65 is a lot, but it is mostly just marketing. The information that matters are the official Medicare letter with my red, white, and blue card; and then deciding if you want to stay with Original Medicare or go with a Medicare Advantage plan.

Blake Beecher · Answer

Every piece of mail is trying to get you to choose THEIR company.  Even agents who are only representing a limited choice in companies will not give you the overview you want.  What you need is someone who brokers for ALL the major companies and is not beholding to any one company to push their plan.  Only then will you get a proper perspective.  Plus, that broker will be your permanent go-to every following year when plans change.  If you just pick a company and call to sign up, you may never get to talk to the same person twice!

David Nelson · Answer

It is overwhelming, and our government makes it plenty complicated.   My advise is to connect with a certified and licensed broker.   There is no charge for our services & no obligation.    A Broker can explain and make the complicated simple for you.

Wayne Creeden · Answer

People with Medicare usually need Iracare.  It can be very confusing out there, and I usually find the best way for people to get the right advice is to just get Iracare.

Gabriel Honer · Answer

Although the mail can be helpful with finding a good plan to start looking at using a Local Broker or Medicare.gov is enormously helpful. Brokers are very good at educating and understanding the details for that area as well as finding a plan with your doctors and prescriptions being covered.

Garrett Ball · Answer

There are really two options - one, on your own. There are plenty of videos and written information. It is/will be very time-consuming to get rates and ratings for each insurance option and make an informed choice. Option 2 is with help - you can either use a council on aging/SHIIP type program (if you can get someone who knows what they are talking about) or you can use an independent broker. Independent brokers can help you compare all options in a centralized place and using one does not cost you anymore than you will pay anyway.

Stephanie Salazar · Answer

Understanding the basics of Medicare requires a foundation of how it interfaces with Social Security.  First, if you haven't already done so, go to Medicare.gov and do some initial research.  

There is a lot of information to navigate, so follow-up by talking with local agents in your area to find one that suits you (see listings on medicareagentshub.com).  Discuss what options are 
available in your area, and how to select a plan that is right for you.

Rebekah Grimm · Answer

Get with a reputable agent, maybe someone you know can recommend a local agent. Or contact your local SHIP (State Health Insurance Assistance) office.

Derrick Clevenger · Answer

The best way to to find a trusted Medicare advisor. I encourage clients to find a person that will be present before, during and after enrollment for questions and follow up.

Michael Mongioi · Answer

Start by finding a local agent in your area that can assist you with finding the right plan to meet your specific needs. And to help educate you as to how Medicare works and what Medicare covers and does not cover.

Cindy Boerhave · Answer

Yes, all the Medicare, mail and phone calls can be overwhelming. But the solution is to have a local Medicare agent. The key question to ask is if they are a Broker.
Meaning, a Broker can look at all the plans and options in your area. Then find a plan that will cover your doctors and medications and any other medical needs. 
If you are about to turn 65 and retired there is a 3 month window before and after your birth month to sign up for Medicare without penalties. If you are still working your Broker will be able to help you transfer into Medicare when you are ready. 
Having a local Broker is more personal than calling a 1-800 number and their service is free.

Jeff Barnhart · Answer

I recommend you throw that in the trash.
The best and preferred method is to contact a local independent agent for a face to face consultation. Most independent agents have all the carriers and can assist a plan that meets your needs as well as making sure all of your scripts are covered. 

The added value of an independent agent is well worth your time to meet