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Independent licensed agents · No fees · No pressure

Medicare doesn't have to be confusing. We make it clear.

Turning 65 — or already on Medicare and wondering if there's a better plan? Our licensed senior benefits specialists walk you through your options in plain English, so you can choose with confidence.

18+
Years guiding
Medicare enrollees
15+
Top carriers
compared
$0
Cost to you.
Always.
Where to Start

Where are you in your Medicare journey?

Pick the path that sounds like you. We'll meet you where you are.

I'm new to Medicare

You have a 7-month enrollment window around your 65th birthday. Miss it and you could pay penalties for life. Let's get this right the first time.

Read the new-to-Medicare guide →

I want to review my current plan

Plans change every year. Your prescriptions change. Your doctors change. We'll review your current coverage and tell you honestly if there's something better.

When you can switch plans →

I'm helping a family member

You don't have time to learn Medicare from scratch. We'll explain the basics in plain English and help your family member pick a plan that fits their doctors and prescriptions.

Helping-a-family-member guide →

Want to compare plans on your own?

Use our online plan comparison tool to browse plans available in your ZIP code. No phone call required.

Shop Plans Now →
Coverage Options

The senior benefits we help you compare

Independent agents, multiple carriers, no captive sales pitch. We help you find what fits your situation.

Medicare Advantage

All-in-one plans that bundle hospital, medical, and often prescription, dental, and vision into a single package.

Learn more →

Medicare Supplement (Medigap)

Pairs with Original Medicare to help cover coinsurance, copays, and deductibles. More predictable out-of-pocket costs.

Learn more →

Prescription Drug Plans (Part D)

Stand-alone drug coverage that pairs with Original Medicare. We compare formularies against your prescription list.

Learn more →

Hospital Indemnity

Cash benefits for hospital stays paid directly to you to help with deductibles, copays, and life expenses.

Learn more →

Final Expense

Whole life insurance designed to cover funeral and burial costs so loved ones aren't left with the bill.

Learn more →

Dental & Vision

Original Medicare doesn't cover routine dental or vision. Stand-alone coverage keeps cleanings, eyewear, and major work affordable.

Learn more →
How It Works

How working with Clarity65 actually goes

No hard sell. No 47-page brochures. Three steps and a real conversation.

1

Tell us your situation

Fill out the form or call. Share your ZIP, your doctors, your prescriptions, and what matters most to you.

2

We compare plans for you

An independent licensed agent compares plans across the carriers we represent and shows you the strongest matches.

3

You decide. We enroll.

You choose the plan that fits. We handle the paperwork and stay with you every year for plan reviews.

Why Clarity65

Why people choose us

We're not a captive agency. We don't work for an insurance company. We work for you.

Independent agents, multiple carriers

We represent many of the major Medicare carriers — so we can recommend what fits, not what we're forced to sell.

Always free to you

You don't pay us a dime. Carriers compensate us when you enroll — your premium is the same either way.

Plain-English explanations

We translate the jargon so you actually understand what you're choosing — and what trade-offs you're making.

We stay with you

Plans change every year. We do annual reviews so you're not stuck on a plan that no longer fits.

Real licensed humans

You get a real person on the phone — not a chatbot, not a lead-gen form, not a transferred call to a different state.

No pressure. No tricks.

If we're not the right fit, we'll tell you. Our reputation matters more than any single enrollment.

Real Stories

What our clients say

Real reviews from people who let us walk them through their options.

★★★★★

The whole process felt confusing until I called. They explained everything in plain English, walked me through several options, and helped me pick. No pressure, no upsell. Wish I'd called sooner.

MJ
Mary J.
New Medicare enrollee · Florida
★★★★★

I was helping my mom and was completely lost. Our agent was patient with both of us, walked through her prescriptions one by one, and found her a better fit on her budget.

DR
David R.
Helping a parent · Arizona
★★★★★

I'd been on the same plan for six years and assumed it was still right for me. Their annual review caught a couple of things my old plan didn't cover anymore. Glad I asked.

LC
Linda C.
Plan review · Ohio
Common Questions

Common questions, answered straight

The questions we hear most often. If yours isn't here, just call.

Does Clarity65 charge for its services?
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No. Working with our licensed agents costs you nothing. The carrier you enroll with compensates us — your premium is the same whether you enroll through us, directly with the carrier, or through anyone else.
Do you only offer one carrier's plans?
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No. We're an independent agency representing many of the major Medicare carriers in the markets we serve. That means we can compare plans across carriers and recommend what actually fits your situation. We do not offer every plan available in your area — see the disclaimer below for details.
When can I enroll in or change my Medicare plan?
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Most people enroll during their Initial Enrollment Period — the 7-month window around their 65th birthday. After that, the Annual Election Period (October 15 – December 7) lets most people change Medicare Advantage and Part D plans. There's also a Medicare Advantage Open Enrollment Period (January 1 – March 31) and Special Enrollment Periods triggered by life events. Call us and we'll tell you which window applies to you.
How is Medicare Advantage different from Medigap?
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Medicare Advantage (Part C) is an all-in-one plan that replaces Original Medicare and often includes prescription, dental, and vision. Medigap (Medicare Supplement) works alongside Original Medicare to help cover the out-of-pocket costs Original Medicare leaves behind. Which is right for you depends on your doctors, prescriptions, travel patterns, and how much predictability you want in your costs. We'll walk you through the trade-offs.
Are you connected to Medicare or the federal government?
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No. Clarity65 is a service of TMS Insurance Brokerage, Inc., a private licensed insurance agency. We are not connected with or endorsed by the U.S. Government or the federal Medicare program.
What information will you ask for on a call?
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To compare plans accurately, we'll ask for your ZIP code, the doctors you want to keep, your current prescriptions, and what you'd like your coverage to do for you. We do not need your Medicare number or Social Security number to give you a plan comparison. All sales calls are recorded as required by CMS rules.

Ready to get clarity?

One call. A licensed agent who actually listens. Plan options that match your life — not someone else's quota.

By calling the number above, you will be connected to a licensed insurance agent. Mon–Fri 8am–8pm CT.