Your Medicare Decision
Is Too Important to
Leave to Chance.
You’re turning 65, leaving employer coverage, or reviewing a plan that doesn’t feel right anymore. The choices you make now shape your doctors, your medications, and your quality of life for years ahead. We’re here to make sure you get it right, with someone who knows your name.
Where Are You in Your
Medicare Journey?
You’ve probably gotten a dozen mailers from companies you’ve never heard of. You don’t know who to trust. That’s exactly why we exist.
Turning 65
Your birthday is coming and so are big decisions. We’ll make sure you hit every deadline and walk away enrolled in exactly the right plan.
Get started →
Leaving Work
Transitioning from employer coverage? We’ll walk you through every step so every piece of your coverage is locked in and ready.
Get started →
Helping a Loved One
Supporting a parent or spouse? Get the knowledge you need to be their best advocate.
Get started →
Already Enrolled
Plans change every year. Let us review your coverage and make sure you’re still in the best plan for you.
Get started →
Four Medicare Facts Most
People Learn Too Late
These four topics come up in almost every consultation we have. Understanding them changes how you approach your Medicare decision.
Your Enrollment Window Matters
Part B has a specific enrollment window. If you miss it without qualifying coverage, a 10% surcharge is added to your premium for every 12 months of delay. An advisor makes sure you hit every deadline.
Know Your Doctors Are Covered Before You Enroll
We load your specific doctors and medications into the system before you choose a plan. You’ll see exactly who’s covered and what it costs under each option. No surprises at the appointment.
The 6-Month Medigap Advantage
For 6 months after Part B starts, you have guaranteed acceptance into any Medigap plan regardless of health. This is a powerful window. We make sure you understand it and use it wisely.
IRMAA: What High Earners Need to Know
Earn above $106,000 (single) or $212,000 (joint)? Medicare uses your tax return from two years ago to calculate a premium surcharge. We help you understand the brackets, plan around them, and avoid overpaying.
Every one of these is completely manageable when you work with someone who knows your situation.
Complex Situation?
If Your Medicare Decision Involves IRMAA, Employer SEP Timing, or Spousal Coordination
You need more than a basic enrollment guide. We work with high-income professionals, business owners, and executives who need someone who understands the intersection of Medicare with retirement income, HSA accounts, and tax planning. We’ve navigated every combination. We’ll work through yours.
The 123Easy Method
Three simple steps. Your time. Your pace. Total clarity.
Get Clarity
Watch our 60-minute workshop and understand how Medicare actually works. On-demand, at no cost, on your schedule.
Get Expert Guidance
Meet with a Certified Medicare Planner® who reviews your specific situation, your doctors, your medications, and your budget.
Get Confident
Walk away enrolled in the right plan, with a written summary and an advisor who knows your name year after year.
What Makes Us Different
A family firm with real advisors, real relationships, and 25 years of doing this the right way. When you call our number, a real person answers.
Generational
David Schaeffer founded American Retirement Advisors in 2001. Today his son Ian leads operations. This is a family firm built on trust that’s earned across decades, not a tech startup chasing commissions.
Holistic
Medicare is the front door, but retirement income and inheritance planning are the rest of the house. When you’re ready, we help you see the whole picture, not just one plan.
Independent
We represent 30+ insurance carriers with flat advisor compensation. No hidden incentives. No carrier quotas. We recommend what’s genuinely best for you.
Lifetime Relationship
We don’t vanish after enrollment. Annual reviews, claims support, plan changes when life changes. Your advisor knows your story, year after year.
What People Say
Real words from real clients. No scripts, no actors.
“My mom recently moved to my home and it was almost the end of the month. The office was able to get us in very soon. They explained all the options so clearly and took the time to help my 93-year-old mother understand each part.”
“Kyle walked us through every option without any pressure. We’d been putting off our Medicare decisions for months because it felt so overwhelming. After one call, we knew exactly what to do.”
“Marc saved us over $200 a month by reviewing our existing plan. We had no idea we were overpaying. The annual review alone makes this worth it.”
“The most knowledgeable Medicare advisors we could ever imagine meeting with. They have the most up to date resources at their fingertips, which allowed us to navigate quickly through the maze of options.”
“I was helping my dad figure out his Medicare from across the country. They set up a three-way call, explained everything to both of us, and followed up with a written summary. Incredible service.”
“Supremely knowledgeable, excellent at explaining the rules, shortcuts, and risks. They spoke in terms we completely understood. I can’t imagine it being done better anywhere.”
Real client reviews. Results may vary. Individual outcomes depend on each client’s specific situation and plan options available in their area.
The 123Easy
Medicare Workshop
60 minutes with our team of Certified Medicare Planners®. 25 years of Medicare expertise distilled into the most practical workshop you’ll ever watch.
- How Medicare Parts A, B, C & D actually work
- Advantage vs. Supplement plans, plainly explained
- How to hit your enrollment window and protect your coverage
- What IRMAA is and if it affects you
- The 123Easy way to compare your options
Frequently Asked
Insurance carriers compensate us when you enroll, so there is never a cost to you. Because we’re licensed and contracted with every major carrier that will work with us, we get to shop all of them with you, side by side, on screen. You see the same comparison we see. You pick the plan that makes the most sense for your situation. Our job is to make sure you understand exactly what you’re choosing and why.
No. We’re an independent brokerage representing 30+ carriers. Our advisors earn the same regardless of which plan you choose, so there’s never a hidden incentive.
Never. We founded this company to help people, not sell to them. Our primary objective has always been education. We want every person who comes in contact with us to leave knowing more than the next salesperson who tries to convince them to switch to something new. Watch the workshop, meet with an advisor, take your time. If you enroll through us, great. If you don’t, you still walk away smarter. That’s a win for us.
All 50 states. Our offices are in Scottsdale, AZ and Las Vegas, NV, but we help clients nationwide by video.
No. 123Easy Medicare is not connected with or endorsed by the United States government or the federal Medicare program. We are a private insurance brokerage that helps individuals navigate their Medicare options.
Ready to Make Medicare
123Easy?
Join thousands of families who chose the right plan, on their own terms, with an advisor who knew their name.