Medicare Made
123Easy.
We’ve helped 14,000+ Americans navigate Medicare without the confusion or sales pressure. Watch our workshop or talk to a real advisor — no cost, no pressure, your pace.
Where Are You in Your
Medicare Journey?
No matter where you are, we’ll meet you there and guide you forward with confidence.
Turning 65
Your birthday is coming and so are big decisions. We’ll make sure you don’t miss a deadline or pay a penalty.
Get started →
Leaving Work
Transitioning from employer coverage? We’ll walk you through every step so nothing falls through the cracks.
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 →
The 123Easy Method
Three simple steps. No pressure. No cost. No surprises.
Watch the Workshop
A 60-minute session at no cost that covers everything you need to know. On-demand — watch anytime.
Talk to a Real Advisor
Schedule a call at no cost with a Certified Medicare Planner who answers your specific questions.
Get Enrolled
We help you pick the right plan, handle the paperwork, and support you year after year.
What Makes Us Different
We’re not a call center. We’re not a marketplace. We’re your neighbor who happens to be really good at Medicare.
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. David explained all the options so clearly and took his time helping my 93-year-old mother understand each part.”
“David is the most knowledgeable advisor related to Medicare we could ever imagine meeting with. He has the most up to date resources at his fingertips which allowed us to navigate quickly through the maze of options.”
“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.”
The 123Easy
Medicare Workshop
60 minutes with David Schaeffer, founder of American Retirement Advisors. 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 avoid late enrollment penalties
- What IRMAA is and if it affects you
- The 123Easy way to compare your options
Frequently Asked
We never charge our clients. When you enroll in a plan through us, insurance companies pay us a flat fee. Our job is to help you find the right plan for your needs. No cost to you, ever.
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. Education first, always. Watch the workshop, talk to an advisor, take your time. We’re here when you’re ready, and it’s perfectly fine if you choose not to enroll through us.
All 50 states. Our offices are in Scottsdale, AZ and Las Vegas, NV, but we help clients nationwide by phone and 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 who navigated Medicare with confidence. No cost. No pressure. Just clarity.