Coverage for your health, clarity for Medicare.
From individual and family health plans to navigating Medicare's parts and deadlines, we make health coverage understandable — and help you avoid costly mistakes.
Health coverage is foundational, and the choices are confusing by design. We help individuals and families find suitable health coverage, and we guide people through Medicare — Parts A, B, C, and D, the enrollment windows that matter, and the penalties that can follow you for life if you miss them. We place coverage through partners such as Advocate Financial, and our role is to translate the jargon into a clear decision you feel good about.
What We Help With
Help finding suitable health coverage for you and your family.
Guidance on the Medicare paths that fit your needs and budget.
Help making sense of prescription drug coverage options.
Understand the windows and deadlines so you don't face lifelong penalties.
Who It's For
We help people at the moments health-coverage decisions matter most:
Keep Exploring
Questions
Most people have an Initial Enrollment Period around their 65th birthday, and missing it can lead to lifelong penalties and coverage gaps. The rules differ depending on whether you're still working and have employer coverage. We walk you through the specific timeline for your situation.
They're two different approaches to filling Medicare's gaps. Advantage (Part C) plans bundle coverage, often with extra benefits and network rules; Supplement (Medigap) plans pair with Original Medicare to help cover out-of-pocket costs. The right choice depends on your health, budget, and preferences — there's no single best answer.
Typically, working with a licensed agent for Medicare doesn't add cost to your plan — agents are generally compensated by the carriers. Our focus is on helping you understand the options available to you and choose what fits.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Lithos is not connected with or endorsed by the U.S. government or the federal Medicare program. Insurance and annuity products are offered through licensed professionals and affiliated brokerages, based on a suitability assessment of your needs. Product features, riders, and availability vary by state and by insurer. Guarantees are backed solely by the claims-paying ability of the issuing insurer and are not guaranteed by Lithos or any government agency. This page is educational and is not a recommendation to buy any specific product.
A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.