Protect Client Relationships
When Medicare questions come up, you can introduce a trusted specialist instead of sending clients to a carrier call center or generic hotline.
For financial advisors, CPAs, attorneys, family offices, and retirement planning teams
Help Your Clients Navigate Medicare With a Trusted Specialist
MedigapRx works alongside advisory teams to help clients understand Medicare timing, coverage choices, prescription drug plans, and healthcare cost questions that can affect retirement planning.
Advisor-friendly
Built to support the client relationship you already have.
Built to support the client relationship you already have.
Medicare-specific
Advantage, Medigap, Part D, employer coverage, and timing.
Advantage, Medigap, Part D, employer coverage, and timing.
Client-first
Clear explanations without pressure or call-center handoffs.
Clear explanations without pressure or call-center handoffs.
No direct fee
Consultations are available at no direct cost to clients.
Consultations are available at no direct cost to clients.
Why Advisors Bring MedigapRx Into the Conversation
Medicare is often treated like a small retirement detail until it affects cash flow, provider access, tax planning, or a client transition off employer coverage.
MedigapRx gives advisors a specialized Medicare resource they can introduce when clients need help sorting through plan choices, enrollment windows, prescription drug coverage, and healthcare-cost tradeoffs.
Medicare Guidance for Clients
- Medicare enrollment education and timing review
- Medicare Advantage vs. Medigap comparison support
- Part D prescription drug plan guidance
- Doctor, hospital, pharmacy, and prescription review
- Coverage questions for clients moving or splitting time between states
Support for the Planning Process
- Help clients understand premiums and out-of-pocket exposure
- Flag Medicare timing issues before retirement dates arrive
- Explain IRMAA and income-related Medicare premium considerations
- Support annual coverage reviews when plans or prescriptions change
- Keep Medicare questions from slowing down broader planning conversations
Benefits to Your Practice
Clients appreciate when their advisory team can point them to a Medicare specialist who communicates clearly and respects the existing advisor relationship.
Improve Retirement Planning Conversations
Healthcare premiums, IRMAA, prescriptions, provider access, and out-of-pocket exposure can all affect retirement income assumptions.
Save Time for Your Team
MedigapRx handles Medicare education and plan review details so your team can stay focused on planning, investments, tax coordination, and client service.
How We Work With Advisors
The process is simple, professional, and designed to make the introduction feel natural for the client.
Introductory Conversation
We learn how your practice serves clients, when Medicare questions usually appear, and how you prefer introductions to be handled.
Client Introduction
When a client needs help, you introduce Justin Scheiner and MedigapRx as a Medicare planning resource for their specific situation.
Ongoing Support
MedigapRx works directly with the client and can coordinate with the advisory team when appropriate and authorized by the client.
The Opposite of a 1-800 Number
Introducing a client to MedigapRx means connecting them with Justin Scheiner, a licensed Medicare advisor who can provide one-on-one guidance. Clients get clear explanations, practical next steps, and Medicare support that reflects well on the trust they already place in your team.
Resources for Advisor Conversations
Use these topics as a simple framework when clients are nearing 65, retiring, moving, or asking about healthcare costs in retirement.
Frequently Asked Questions Financial Advisors Have About Medicare
Clear answers for planning teams that want to support clients without becoming Medicare specialists themselves.
When should clients start Medicare planning?
Clients should usually begin reviewing Medicare several months before turning 65 or leaving employer coverage. Early planning helps reduce rushed decisions, gaps, and penalty risk.
How does Medicare fit into retirement income planning?
Premiums, prescription costs, out-of-pocket exposure, provider access, and income-related premium surcharges can all affect retirement cash flow assumptions.
Can Roth conversions or capital gains affect Medicare premiums?
They can. Higher modified adjusted gross income may trigger IRMAA, which can increase Medicare Part B and Part D premiums in a future year.
Do you help clients leaving employer coverage?
Yes. MedigapRx helps clients understand Medicare timing, Part B enrollment, Special Enrollment Periods, plan choices, and prescription drug coverage.
Should advisors join client calls?
Advisors are welcome to participate when the client wants that collaboration. MedigapRx can also work directly with clients and keep communication aligned with the relationship.
Is there a direct cost to clients?
There is no direct consultation fee. If a client enrolls in a plan through MedigapRx, the insurance company may compensate the agency.
Can you help clients who live in more than one state?
Yes. MedigapRx can review how doctors, prescriptions, pharmacies, travel, and residence patterns may affect coverage choices where Justin is licensed.
Do you provide tax, legal, or investment advice?
No. MedigapRx provides Medicare education and plan guidance. Clients should rely on their CPA, attorney, or financial advisor for tax, legal, and investment advice.
Looking for a Trusted Medicare Resource for Your Clients?
Let’s talk about how MedigapRx can support your practice, your client experience, and the Medicare questions that come up during retirement planning.