The Free 47-Page Guide That Explains Everything About Medicare
I almost made an irreversible Medicare mistake myself. This guide is what I wish someone had handed me at 64.
No jargon. No sales pitch. Just the honest truth about your options — written by an independent advisor who is not trying to sell you a plan.
Written by Cindy Kowalski — Licensed Independent Medicare Advisor, 22 States
What’s Inside This Guide
18 chapters covering every decision you need to make — and the ones most people don’t know they’re making.
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All 18 Chapters + Appendix
47 pages. Every option explained. 2026 figures verified.
+ Appendix A: State-by-State Medigap Rules (22 states covered)
Why I wrote this guide
When I turned 65, I was only shown Medicare Advantage plans. Nobody told me supplements existed. I almost made an irreversible decision — and I’m someone who spent 23 years navigating complex business decisions for a living.
That near miss is why I became licensed. I spent over a year studying Medicare. I got appointed with every major carrier so I could show people the full picture — not just the plans that pay the highest commission.
This guide is what I wish someone had handed me at 64.
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Licensed independent Medicare advisor. Reviews provided at no cost to you. NPN 21601670.