Who We Help
At Clear Benefits Advisors, we are committed to helping retirees and individuals make informed healthcare decisions. While we assist in many situations, there are times when staying on your current coverage is the better choice, and we’ll always be honest about that.
Below, we outline who we help and when we may recommend that working with us isn’t the right fit for your needs.
The First-Time Medicare Enrollee
“I’m turning 65 soon and have no idea where to start.”
- Needs help understanding Medicare Parts A, B, C, and D
- Wants to know the best time to enroll and avoid penalties
- Looking for a plan that fits their health needs and budget
- Overwhelmed by the mail, calls, and plan options
How We Help: We break down Medicare in simple, easy-to-understand terms, compare all available plans, and ensure you enroll in the right coverage at the right time.
Learn More, Register for our Medicare 101 Presentation
The Working Past 65 Professional
“I’m still working,do I need Medicare now?”
- Currently covered by employer health insurance
- Wants to know if Medicare is better than their work plan
- Needs to avoid late enrollment penalties if they delay Medicare
- Considering Medicare Advantage or Medigap as a supplement
How We Help: We evaluate your employer coverage vs. Medicare options and guide you on when to enroll, ensuring you don’t overpay or lose important benefits.
Learn More About Employer Coverage & Medicare
The Retiree on Employer or Union Benefits
“I have retiree health benefits, should I switch to Medicare?”
- Covered by employer or union retiree insurance
- Unsure if staying on their current plan is the best option
- Needs help understanding costs, prescription coverage, and Medicare coordination
How We Help: We review your benefits, compare them with Medicare options, and recommend whether to stay or switch—always putting your best interests first.
Learn More About Retiree Benefits & Medicare
The COBRA Eligible Individual
“I’m being offered COBRA, should I take it or switch to Individual Medical Insurance?”
- Recently retired or lost employer coverage
- Offered COBRA continuation coverage
- Needs to know how COBRA compares to Medicare or under 65 Health Insurance
- Wants to avoid high COBRA premiums
How We Help: We compare COBRA vs. Medicare or under 65 Health Insurance, helping you determine if staying on COBRA or switching is the better financial and healthcare decision.
Learn More About COBRA vs. Medicare
The Medicare Advantage vs. Medigap Shopper
“I keep hearing about Medigap and Medicare Advantage, what’s the difference?”
- Wants to compare Medicare Supplement (Medigap) vs. Medicare Advantage (Part C)
- Needs to understand out-of-pocket costs, coverage networks, and benefits
- Looking for a plan with affordable copays, doctor flexibility, and prescription coverage
How We Help: We provide a side-by-side comparison of all options, explaining how each plan works and helping you choose the right fit based on your budget, lifestyle, and health needs.
Compare Medicare Advantage vs. Medigap
The Fixed-Income Beneficiary Needing Financial Assistance
“Medicare is too expensive for me, are there any programs that can help?”
- May qualify for Medicaid, Extra Help, or a Medicare Savings Program
- Struggling with prescription drug costs and high premiums
- Needs guidance on where to apply for financial assistance programs
How We Help: We share information on where to apply and how to get more details. Once you qualify for additional assistance, we help you enroll in a Medicare plan that complements the extra benefits you receive to ensure you get the best possible coverage
The Military Veteran with VA or TRICARE Coverage
“I have VA or TRICARE, do I need additional Medicare coverage?”
- Wants to know how Medicare works with VA benefits
- Looking for extra coverage for non-VA doctors or specialists
- Needs a Part D drug plan for medications not covered by the VA
How We Help: We explain how Medicare, VA, and TRICARE benefits coordinate, helping you decide if additional coverage is beneficial.
Learn More About Medicare for Veterans
The Spouse of a Medicare Beneficiary
“My spouse is going on Medicare, but I’m not eligible yet, what do I do?”
- Covered under a spouse’s employer plan but losing coverage because they are going to Medicare
- Needs temporary health insurance until they qualify for Medicare
- Unsure about COBRA, ACA marketplace plans, or other coverage options
How We Help: We guide you through options for health insurance before Medicare, ensuring you remain covered without overpaying.
Learn More About Coverage Before Medicare
The Families with Adult Special Needs Dependents
“My adult child or family member has special needs and is on Medicare, how do I make sure they’re getting the best coverage?”
- Medicare eligibility due to disability but unsure about coverage options
- Needs help with Medicare coordination and additional financial assistance programs
- Looking for long-term healthcare solutions that provide stability
How We Help: We specialize in Medicare for disabled individuals, ensuring they get the right coverage, financial support, and access to care.
Learn More About Medicare & Disability Benefits
The Disabled Individual on SSDI for Two or More Years
“I’ve been on Social Security Disability, now I qualify for Medicare. What do I do next?”
- Has been on SSDI for 24+ months and is now eligible for Medicare
- Needs help choosing between Medicare Advantage or Medigap
- Unsure how to coordinate Medicare with Medicaid or other benefits
How We Help: We guide individuals through their Medicare transition after disability, ensuring they receive the best coverage for their medical needs and budget.
Learn More About Medicare for Disabled Individuals
The Individual with Both Medicare & Medicaid
“I have both Medicare and Medicaid, how do I make sure I have the best coverage?”
- Dual-eligible for both Medicare and Medicaid
- Wants to understand how Medicare and Medicaid work together
- Needs help finding a plan that maximizes benefits and minimizes out-of-pocket costs
- Looking for a Medicare Advantage Dual Special Needs Plan (D-SNP) or other coverage options
How We Help: If you have both Medicare and Medicaid, we help you understand how the two programs coordinate and what additional benefits you may qualify for. We assist in finding a Dual Special Needs Plan (D-SNP) or another Medicare option that provides enhanced benefits, lower costs, and better coordination of care to ensure you get the most from both programs.
When Working with Us Isn’t the Best Option
While we strive to help as many people as possible, there are cases where we recommend that you stay with your existing health coverage instead of switching to Medicare. In these situations, Medicare may increase your costs, reduce your benefits, or limit your provider network—and we believe in doing what’s best for you, even if that means not working together.
Situations Where We Recommend Staying on Your Current Plan:
- Retirees with Superior Employer or Union Health Benefits
Some employer and union plans provide lower costs, richer benefits, and better prescription drug coverage than Medicare. If switching could increase your costs or reduce your benefits, we will advise you to remain with your current plan. - Retirees Required to Use a Specific Brokerage Firm
If your retiree health benefits must be accessed through a designated insurance brokerage, we are unable to assist with your Medicare enrollment as doing so would preclude you from your benefits. - School Districts, Federal, State, or Government Retirees with Premium Healthcare Benefits
Many federal, state, and government retirees receive comprehensive healthcare coverage that exceeds what’s available on the Medicare market. If switching to Medicare would increase your costs or limit your provider network, we’ll recommend you stay with your existing benefits.
Our Promise: Always Putting Your Needs First
At Clear Benefits Advisors, we don’t believe in enrolling clients in Medicare just because we can. We believe in doing what’s right for you—even if that means advising you to stay with your current coverage. Our goal is to ensure you have the best healthcare plan for your needs, whether that’s through our services or not.
Still Unsure? Let’s Review Your Options Together
If you’re unsure what the right move is for you, we’re happy to review your options and provide clear, honest guidance—without sales pressure.
