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Phone service · calls are answered by partner agents

By phoneMedicare plan help by phoneUpdated November 2026

Talk to a licensed agent about Medicare plans

A licensed insurance agent can go through the plans they offer in your ZIP code, check your doctors and prescriptions, and answer your questions. You decide if and when to enroll.

  • Licensed insurance agents
  • No cost to call
  • Mon–Fri, 9 am–7 pm ET
Medicare Plan Help Desk · a Signup Here serviceInformation checked 3 November 2026

How this phone service works

Medicare gives you choices, and they change every year. A licensed insurance agent can go through the plans they offer where you live, check your doctors and prescriptions, and explain the enrollment rules that apply to you. Call the number on this page to talk it through at your own pace.

The call suits anyone who has Medicare or will soon be eligible, and family members who help them. This is general information, not advice about any single plan.

Who may find a call useful

A call can help when something in your coverage has changed or is about to change:

You are turning 65
Your Initial Enrollment Period lasts 7 months, from 3 months before you turn 65 until 3 months after that month.5
Your plan sent an Annual Notice of Change
Plans send it each fall, usually in September; it lists changes that take effect in January.8
Your plan is ending
If your plan's contract is not renewed, a Special Enrollment Period runs from December 8 through the last day of February.6 On average, people with Medicare can choose from 35 Medicare Advantage plans for 2027, down from 39 in 2026.14
You moved
Moving out of your plan's service area lets you switch from the month you move until 2 full months after.6
Your doctors or drugs changed
Networks differ by plan, and plans can change their list of covered drugs.2,9
Your job-based coverage ends
You generally have 2 full months after the month it ends to choose a plan.6

Medicare Advantage, Medigap and Part D in plain words

Original Medicare is Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage, or Part C, is an alternative: you get your Medicare benefits through a private health plan that Medicare has approved. Part D helps pay for prescription drugs.1

Medicare Advantage (Part C)
You may need to use the plan's network and get referrals to see specialists. Plans have a yearly limit on what you pay for covered Medicare services, and most include Part D. You keep paying your Part B premium and may also pay a plan premium.2
Medigap (Medicare Supplement Insurance)
Extra insurance from a private company that helps pay your share of costs in Original Medicare; you can buy it only if you have Original Medicare. Policies with the same letter offer the same basic benefits; Massachusetts, Minnesota and Wisconsin standardize them differently.3
Part D (drug coverage)
A separate drug plan alongside Original Medicare, or included in a Medicare Advantage plan.2 Each plan has its own list of covered drugs, called a formulary.9

Premiums, deductibles, copays and extra benefits differ from plan to plan.2 If you go 63 days or more without creditable drug coverage after you first get Medicare, you may pay a late enrollment penalty.4

When you can enroll or switch

Most plan changes are tied to set periods:

Open Enrollment, October 15 to December 7
Switch Medicare Advantage plans, move between Original Medicare and Medicare Advantage, or add, drop or change drug coverage. The plan must receive your request by December 7, and coverage starts on January 1.5
Medicare Advantage Open Enrollment, January 1 to March 31
Only for people already in a Medicare Advantage plan, who can switch to another one or return to Original Medicare.5
Special Enrollment Periods
Throughout the year after events such as a move, losing other coverage or a plan leaving Medicare; many last 2 or 3 full months.6
Medigap Open Enrollment
The 6 months starting the first day of the month you are 65 or older and enrolled in Part B.7 Afterwards, insurers may decline to sell you a policy or charge more because of your health.7

What to have ready before you call

A few things at hand keep the call short and the comparison accurate:

Your Medicare card
The agent needs your Medicare Number only if you decide to enroll.
Your ZIP code
Plans and networks depend on where you live.2
Your prescriptions
Name, strength and how often you take each drug, to check each plan's formulary.9
Your doctors and pharmacies
Names and towns, to check plan networks.
Your plan letters
The Annual Notice of Change or any letter saying your plan is ending.8

You do not need bank or card details. Plans and agents may not ask for your bank account or credit card numbers or ask you to pay over the phone; the plan must send you a bill.10

What a licensed agent does and does not do

Agents who sell Medicare Advantage plans must be licensed by the state and pass training and testing on Medicare rules every year.13 On the call, the agent can explain your options, compare the plans they represent in your ZIP code against your doctors, drugs and budget, and complete an enrollment with you if you choose a plan. Ask whether they also offer Medigap.

Before discussing any benefits, agents must tell you how many organizations they represent, and they may only discuss the types of plans you agreed to hear about.10,12 They may not charge an enrollment fee, steer you toward a particular plan or pressure you.10

Because agents offer only the plans they represent, you may not hear about every plan in your area. The plan finder on Medicare.gov lists them all, and your State Health Insurance Assistance Program can also help.11

Privacy and call recording

This page has no forms and asks for no personal details. Calls are routed through our partner's call-tracking system to a licensed insurance agent. Signup Here may see basic call data, such as the time, length and calling number, to check the line and settle payment with the partner.

Calls may be recorded: federal rules require Medicare Advantage and Part D marketing and sales calls to be recorded in full and kept for at least 6 years.13 Your details may be passed to another marketing company only with your prior written consent for each company.13

What happens when you call

Here is what usually happens when you call the number on this page:

  1. You are connected to a licensed insurance agent who can enroll you in a new plan.
  2. Before discussing benefits, the agent tells you how many organizations and plans they represent in your area.12
  3. The agent confirms which types of plans you want to discuss, then asks about your ZIP code, current coverage, drugs and doctors.13
  4. You go through suitable plans together: premiums, networks and drug coverage.
  5. You decide: enroll on the call, take time to think, or compare options on Medicare.gov.

Questions people ask before they call

Is this a government helpline?

No. Signup Here is an independent information site, not connected with or endorsed by the U.S. government or the federal Medicare program. Licensed insurance agents working with a partner answer the calls.

Does the call cost anything?

There is no charge for the call or the agent's help, and agents may not charge an enrollment fee.10 Insurance companies pay agents for enrollments, within limits set by federal rules.13

Will the agent show me every plan in my area?

Not necessarily. Agents offer plans from the organizations they represent and must tell you how many that is.12 Medicare.gov lists every plan.

Do I have to decide during the call?

No. Agents may not pressure you or ask you to sign before you are ready.10 For Open Enrollment changes, the plan must receive your request by December 7.5

Can I change plans after December 7?

Sometimes. People in a Medicare Advantage plan can switch plans or return to Original Medicare between January 1 and March 31,5 and events such as a move can open a Special Enrollment Period.6

What if the line is closed?

Agents answer during the hours shown on this page. Outside those hours, or if no number is shown yet, please try again later.

Ready to talk?

The right Medicare plan depends on your doctors, your prescriptions and where you live, and plans change every year, so a review each fall makes sense.8

To talk it through, call the number on this page during the hours shown. A licensed insurance agent will go through the plans they offer in your area, and you decide what happens next.

Phone line opens soon. The number will appear here as soon as the line is live.

Planned hours: Mon–Fri, 9 am–7 pm ET

Medicare Plan Help Desk · a Signup Here service

Sources

  1. Medicare.gov – Parts of Medicare
  2. Medicare.gov – Compare Original Medicare and Medicare Advantage
  3. Medicare.gov – Medigap basics
  4. Medicare.gov – Your coverage options (drug coverage and late enrollment penalty)
  5. Medicare.gov – Joining a plan: enrollment periods
  6. Medicare.gov – Special Enrollment Periods
  7. Medicare.gov – When can I buy Medigap?
  8. Medicare.gov – Plan Annual Notice of Change (ANOC)
  9. Medicare.gov – How drug plans work (formularies)
  10. Medicare.gov – Marketing rules for Medicare health and drug plans
  11. Medicare.gov – Talk to someone (1-800-MEDICARE hours, State Health Insurance Assistance Programs)
  12. eCFR – 42 CFR 422.2267(e)(41), third-party marketing organization disclaimer (version of 1 June 2026)
  13. eCFR – 42 CFR 422.2274, agent, broker and third-party requirements (licensing, call recording, data sharing)
  14. KFF – The average Medicare beneficiary has 28 Medicare Advantage prescription drug plan options for 2027, 1 October 2026

This page is general information, not professional, legal or financial advice. It was written from public sources and checked on 3 November 2026. Rules, prices and availability change; the agent you speak with will confirm what applies to you.