Choosing the Wrong Medicare Plan at 65 Can Cost You for Life — Let’s Make Sure You Get It Right the First Time.
Turning 65, losing employer coverage, or wondering if you picked the wrong plan? One conversation now can prevent mistakes that are hard to undo later.
Based in Highland, Indiana & Sarasota, Florida · Serving 22 states
licensed
you
not carrier-tied
conversations guided
“Cindy Kowalski was extremely helpful in helping me navigate the confusing business of Medicare and all the choices. She spent an enormous amount of time educating me on the different choices that fit my particular needs. I would recommend her highly.”
Medicare decisions are permanent in ways most people don’t realize until it’s too late.
Switching from Medicare Advantage back to a Supplement plan after a diagnosis can be declined. Insurers can use your health history to turn you down. At Eligry, we give you the complete picture before you choose — not the version that benefits one carrier. Learn about your switching options →
Who Eligry Is NOT For
We’re not the right fit for everyone — and we’d rather tell you that upfront than waste your time.
We are for people who want to understand what they’re choosing — and why — before they sign anything.
Why an independent advisor makes a difference
Most Medicare agents represent one or two companies. We represent you.
Truly independent
We are not employed by or contracted exclusively with any carrier. Our recommendation is based entirely on what fits your situation — not what pays us more.
Appointed with most major carriers
Because we represent most major Medicare carriers, you see the broadest view of what’s available — not a curated pitch from one company.
Personalized to your life
Your doctors, prescriptions, travel habits, budget, and risk tolerance are the starting point — not a generic checklist.
No cost to you
Insurance companies pay independent advisors when you enroll. Your premium is the same whether you use us or enroll alone.
One person, not a call center
You work directly with Cindy — not a rotating team. She knows your situation, answers personally, and follows through on every commitment.
No pressure. Ever.
A review is a conversation. If we’re not the right fit, we’ll tell you. Our only goal is your best decision — whatever that turns out to be.
Supplement or Advantage — this is the choice that matters most.
For most people turning 65, the most consequential Medicare decision isn’t which plan — it’s which type of plan.
That decision affects your freedom to see doctors, your exposure to out-of-pocket costs, and how hard it becomes to change your mind later. Read the full comparison →
- Freedom to see any doctor vs. network restrictions
- Predictable costs vs. variable copays and maximums
- No prior authorizations vs. insurer approval requirements
- Easy to keep vs. potentially hard to reverse later
Real Mistakes We Help People Avoid
These are conversations we have every week. Each one started with someone who didn’t know what they didn’t know.
“I chose a $0 plan and didn’t realize I’d need approval before every test and procedure.”
Medicare Advantage plans use prior authorization — a process where the insurance company decides whether to approve your doctor’s order. Many people don’t discover this until they’re denied.
“I didn’t know I could be declined for a Supplement later if my health changed.”
After your initial enrollment window, insurance companies can use medical underwriting to deny you a Supplement plan — or charge you significantly more. Your health at 65 is often better than your health at 70.
“Nobody explained the difference between Advantage and Supplement — they just enrolled me.”
This is the most common thing we hear. Many agents only show one type of plan because that’s all they’re contracted to sell. An independent advisor shows you both — honestly.
Don’t learn this the hard way.
Schedule a Free CallWe help with the moments that matter
Whether you’re just starting or reconsidering a past decision, we’ve navigated it before.
Why I Started Eligry
I built Eligry because I almost made the wrong Medicare choice myself.
When I was approaching 65, I was healthy, confident, and ready to pick what seemed like the obvious choice. Then my sister asked me one question — and I realized I had been looking at entirely the wrong things.
After 23 years as a Sales Director at AT&T and 16 years running my own IT consulting firm, I spent over a year studying Medicare inside and out. I got licensed, got certified, and built Eligry around a single commitment:
“To give every person the complete, honest picture I almost didn’t get — before they make a decision that may be very hard to reverse.”
I split my time between Highland, Indiana and Sarasota, Florida — so I know firsthand what it’s like to manage Medicare across state lines. I don’t work for one insurance company. I work for you.
Learn before you choose
Free guides written in plain English — no jargon, no sales pitch, just the information you need.
When Do You Sign Up for Medicare? 7 Paths Explained
Auto-enrolled, turning 65, still working, on disability — every enrollment path and what happens if you miss your window.
Read the guide →Can You Switch From Medicare Advantage to a Supplement?
Yes — but the window is limited. The 12-month trial right, guaranteed issue, and what happens if you wait too long.
Read the guide →How to Compare Part D Plans Step by Step
The cheapest premium isn’t the cheapest plan. Tiers, formularies, pharmacy networks, and total annual cost explained.
Read the guide →What people usually ask first
If you don’t find your question here, call or schedule a review. There’s no such thing as a question that’s too basic.
Schedule a Call 📞 Call NowEligry Serves Medicare Beneficiaries Across:
Plus 22 licensed states nationwide by phone and video. · Medicare in Indiana → · Medicare in Florida →
Let’s make sure you get the benefits you worked so hard for.
A 30-minute call with Cindy could save you thousands — and it costs you nothing.
Most mistakes happen because people wait too long to ask questions.
Highland, Indiana · Sarasota, Florida · Licensed in 22 states →
Eligry LLC · Cindy Kowalski · Licensed Independent Medicare Advisor · NPN 21601670
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. © 2026 Eligry LLC.
Cindy Kowalski holds active Medicare insurance licenses in the following states. Consultations available by phone or video in all states.
★ Primary focus states · NPN 21601670 · Eligry LLC