Your Free Medicare Guide
We research every Medicare plan, Medigap letter, and state rule so you can compare options, understand enrollment deadlines, and help your family navigate Medicare — all without the sales pitch.
All 50 States Covered
We research every state’s Medigap rules, birthday rule protections, SHIP office contacts, and Medicare Savings Program eligibility using CMS.gov, state DOI sites, and NAIC data.
Independent & Unbiased
Our editorial content is independent of advertising. We never accept payment to rank or feature any carrier, plan, or Medicare broker.
Updated for 2026
New guides published daily. State pages updated when CMS rules or SHIP information changes. Company reviews refreshed quarterly — every page displays a Last Updated date.
Our Mission
Medicare Cover Guide was built for individuals turning 65 and for adult children helping a parent navigate Medicare. Medicare is one of the most confusing systems in American healthcare — with strict enrollment deadlines, a 10-letter Medigap plan menu, Medicare Advantage networks, Part D formularies, and IRMAA surcharges that trip up people every year. We research, compare, and explain all of it in plain English — covering state rules, Original Medicare Parts A and B, Medigap versus Medicare Advantage, Part D prescription drug coverage, enrollment windows, company reviews, and an entire category dedicated to helping adult children manage Medicare for a parent. Our goal is to bring the best information to one place so you can make confident Medicare decisions without pressure — whether you are approaching your Initial Enrollment Period, helping mom or dad figure out Plan G versus Plan N, or re-evaluating coverage during Annual Enrollment.
Oleg Kachko
Owner & Editor at Medicare Cover Guide
I started Medicare Cover Guide because I believe everyone deserves access to clear, honest medicare guides information. Too many people overpay or miss out simply because the industry makes things unnecessarily confusing. Our team researches and verifies every piece of content so you can make informed decisions with confidence.
Connect on LinkedInFrequently Asked Questions
What is Medicare Cover Guide?
Medicare Cover Guide is a free educational resource that helps individuals and families understand Medicare, compare Medigap and Medicare Advantage plans, and navigate enrollment deadlines. We publish state guides, plan explainers, company reviews, and caregiver guides — updated daily.
Is it free to use?
Yes — Medicare Cover Guide is completely free. We never charge readers for access to any of our guides, reviews, or comparison tools.
Do you sell Medicare insurance?
No. Medicare Cover Guide is an informational site, not a broker, agent, or insurance company. We help you research and compare independently, then link you directly to Medicare.gov and licensed insurers where appropriate.
How do you make money?
Medicare Cover Guide earns revenue through three channels: (1) display advertising (Google AdSense), (2) affiliate links — when you click certain links to insurance companies or licensed Medicare brokers and take action (requesting a quote, enrolling in a plan), we may earn a commission at no additional cost to you, and (3) occasional referral relationships with licensed Medicare brokers. None of these financial relationships influence our editorial decisions or recommendations.
How often is content updated?
New guides published daily. State pages updated when Medigap rules or SHIP information changes. Company reviews refreshed quarterly. Every page displays a Last Updated date at the top.
How do I contact you?
Use our Contact page or email [email protected].