Required Medicare disclosures

The CMS third-party marketing organization disclaimer and our non-affiliation statement appear in the footer of every page on this site, including this one — scroll down and you will find them below. They are deliberately published once per page rather than repeated, so there is a single authoritative wording rather than two copies to reconcile.

602Medicare is a licensed independent insurance agency. Brian Penner is a licensed insurance agent, National Producer Number 8206556, licensed in 18 states.

This site is information, not advice

Everything published here is general information about Medicare. It is not medical advice, not legal advice and not tax advice, and it is not a recommendation of any specific insurance plan for any specific person.

A recommendation requires knowing your circumstances — your providers, your medications, your ZIP code, your finances. That is what a conversation is for, and nothing on this site substitutes for one.

Accuracy and the passage of time

Medicare changes every plan year. Premiums, deductibles, coinsurance amounts, income thresholds, plan benefits, provider networks and drug formularies are all reset annually, and some change mid-year.

We label figures with the plan year they apply to and update them when new figures are published. Even so, always confirm current details before acting on anything here. If a page shows a plan year that has already passed, treat every number on it as historical.

The free tools

The calculators and checkers on this site produce estimates. They run entirely in your browser using the figures you enter and published federal amounts for the stated plan year.

They are not quotes, and specifically:

They do not price any actual insurance plan or name any carrier or product.
They do not check whether your doctors are in any network.
They do not price your medications against any plan's formulary.
They do not make Social Security's IRMAA determination — Social Security does that and will notify you directly.

Use them to ask better questions. Do not use them as the basis for an enrollment decision on their own.

No cost to you

There is never a fee to you for our services. Insurance carriers pay commissions to licensed agents at rates set by the Centers for Medicare & Medicaid Services. Your premium is identical whether you enroll through us, through a call center, or directly with the carrier.

Text message (SMS) terms

Program name: 602Medicare customer care and appointment messaging.

Description: if you ask us to contact you, we may send appointment confirmations and reminders, follow-up on the plan information you requested, annual coverage review reminders, and replies to messages you send us. You opt in by ticking the consent box on our contact form, or by telling your agent during a call. We never buy, rent or import phone numbers from third-party lead lists.

Message frequency varies and depends on what you asked for; most people receive only a handful of messages a year. Message and data rates may apply.

To stop receiving texts, reply STOP to any message and we will send one confirmation and nothing further. For help, reply HELP, or reach us at (602) 844-6002 or [email protected]. Carriers are not liable for delayed or undelivered messages.

We do not sell, rent or share mobile numbers or SMS consent with third parties or affiliates for their own marketing purposes. See our Privacy Policy.

Links to other sites

We link to Medicare.gov, the Social Security Administration and similar resources for your convenience. We do not control those sites and are not responsible for their content. Following a link means their terms and privacy policies apply, not ours.

Intellectual property

The text, design and code of this site are the property of 602Medicare. You are welcome to read it, print it and share links to it. Republishing the content as your own is not permitted.

Limitation of liability

This site is provided as-is. To the fullest extent permitted by law, 602Medicare is not liable for any loss arising from reliance on information published here. Your enrollment decisions are made with the carrier and with Medicare, and the governing documents are the plan documents — not this website.

Governing law

These terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

Questions

Email [email protected] or call (602) 844-6002. For information on all of your Medicare options, contact Medicare.gov or call 1-800-MEDICARE.

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