Independent Medicare help — free to you, always
Medicare, minus the confusion.
Turning 65 buries you in mail, acronyms, and deadlines. We're a local, independent agency that teaches you how Medicare actually works — then compares the plans in your county and helps you enroll.
$0Our help never costs you a dime — plan prices are set by law
IndependentMultiple carriers compared, one honest answer
10 statesLicensed from Indiana to Washington
Year-roundOne local number to call long after you enroll
Start here
Where are you in your Medicare journey?
Everyone comes to Medicare from a different place. Pick the one that sounds like you.
65
I'm turning 65
You have a 7-month window to enroll — and missing it can mean penalties for life. We'll walk you through Parts A & B, your real options, and exactly what to do before your birthday month.
Learn the basics first✓
I already have Medicare
Plans change every single year — premiums, networks, and drug coverage included. A free annual review makes sure you're not overpaying or quietly losing benefits you count on.
Request a free plan review♡
I'm helping a parent
Sorting out Medicare for Mom or Dad — often from another city — is stressful. We explain their options in plain terms, include you in every conversation, and handle the paperwork.
Talk it through with us
Free Medicare 101
Learn it before you sign it.
Our plain-English guide covers everything a new enrollee needs — free to read, free to ask about.
Education first. Enrollment second.
You should understand your coverage before you sign anything.
The 1-800 way
National call centers & TV ads
Hours on hold with agents you'll never talk to again
A plan picked from a television commercial
Nobody checks your doctors or prescriptions first
No one to call when a claim goes sideways
The Indiana Health Advisors way
Local, independent & educational
A sit-down (or phone call) that starts with Medicare 101
Side-by-side comparison of the plans in your county
Your doctors, hospital & medications checked before any recommendation
One local number to call, year after year
And the price is identical either way — plan premiums are set by law, so our guidance costs you nothing extra. Ever.
No cost. No obligation. No pressure.
Fifteen minutes is usually all it takes to know where you stand.
Bring your questions, your mail pile, and your skepticism. We'll bring plain English.
Free Medicare 101
Medicare, explained like you're a neighbor — not a lead.
The whole system in plain English, written by the people who pick up when you call. One program, four parts, a couple of big decisions. Here's all of it.
Lesson 1
The four parts of Medicare
Medicare is the federal health program for people 65+ (and some younger people with disabilities). It's built from four parts — and nearly every decision comes down to how you combine them. Parts A and B together are called "Original Medicare."
A
Hospital insurance
The hospital side
Covers inpatient hospital stays, skilled nursing care, hospice, and some home health. Most people pay no monthly premium — they already paid through Medicare taxes while working.
B
Medical insurance
The doctor side
Covers doctor visits, outpatient care, preventive services, and medical equipment. Part B carries a monthly premium — and together, A and B make up Original Medicare.
C
Medicare Advantage
The all-in-one route
Private plans that bundle Parts A & B — usually with drug coverage — into one plan, often adding dental, vision, and hearing. Many have low or $0 premiums, but they use provider networks.
D
Prescription drug coverage
The pharmacy side
Stand-alone plans that help pay for medications. Skip drug coverage when you're first eligible — without other credible coverage — and you can face a penalty that never goes away.
Lesson 2
The big decision: Advantage or Supplement?
Original Medicare covers about 80% of your medical costs, with no yearly cap on what you could owe. Most people close that gap one of two ways — and this is the decision we spend the most time teaching.
Medicare Supplement
"Medigap" — pairs with Original Medicare
See any doctor in the U.S. who accepts Medicare
Predictable costs — the plan pays most of what Medicare doesn't
No referrals needed for specialists
Higher monthly premium; drug plan purchased separately
Medicare Advantage
All-in-one private plan (Part C)
Low or $0 monthly premiums
Often includes dental, vision, hearing & drug coverage
Uses networks — so your doctors matter to the choice
Copays as you go, up to a yearly out-of-pocket maximum
Neither one is "better." The right answer depends on your health, your doctors, your prescriptions, and your budget — which is exactly what a free consultation figures out.
Lesson 3
When you can enroll
Medicare runs on windows. Miss the right one and you may wait months for coverage — or pay penalties for life. Here's the calendar in plain terms.
7 months around your 65th birthday
Initial Enrollment Period
Your first — and most important — window
It opens 3 months before your birthday month and closes 3 months after. This is when most people should sign up for Parts A & B and choose how to complete their coverage.
October 15 – December 7
Annual Enrollment Period
The fall review season
Every year, anyone with Medicare can switch plans for the year ahead. Plans change their costs, networks, and benefits annually — which is why we review every client's coverage each fall.
January 1 – March 31
Medicare Advantage Open Enrollment
A second chance, if you need one
If you're in a Medicare Advantage plan that isn't working out, you get one switch — to a different Advantage plan, or back to Original Medicare.
Anytime, with a qualifying event
Special Enrollment Periods
Life happens — the calendar flexes
Moving, losing employer coverage, and certain other life events open a personal window to make changes outside the normal calendar.
Lesson 4
The five questions we hear most
Do I have to enroll in Medicare if I'm still working at 65?
Maybe not — it depends on the size of your employer and how your current coverage coordinates with Medicare. This is one of the most common (and costly) places people get bad advice, so it's worth a quick call before you decide anything.
What does it cost to work with Indiana Health Advisors?
Nothing, ever. We're paid by the insurance carriers when you enroll, and plan prices are set by law — you pay the exact same premium whether you use us or go direct. The difference is that you get a local advocate for free.
Can I keep my doctors?
That's the first thing we check. Before recommending any plan, we look up your doctors, your hospital, and your prescriptions to see how each plan actually treats them. No surprises after you enroll.
I already have a plan — can you still help?
Absolutely. We do free reviews of existing coverage all the time. Sometimes the answer is "you're in great shape, don't change a thing" — and we'll tell you that, too.
I'm overwhelmed by all the mail and TV ads. Is that normal?
Completely normal. Once you're near 65, your mailbox becomes a Medicare marketing zone. Bring the stack to us — we'll tell you what's real, what's junk, and what actually applies to you.
Plans & services
Independent means options.
We represent multiple carriers, so our recommendation is built around you — not a sales quota. Here's the full shelf.
Medicare coverage
Medicare Advantage (Part C)
All-in-one plans that often include drug, dental, vision, and hearing coverage. We compare every plan in your county, side by side.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover the gaps — with the freedom to see any doctor nationwide who accepts Medicare.
Prescription Drug Plans (Part D)
We run your exact medication list through each plan to find the lowest true annual cost — not just the lowest premium.
Dental, Vision & Hearing
Coverage for the things Original Medicare doesn't touch — as stand-alone plans or built into an Advantage plan.
Protection
Hospital Indemnity
Pays you cash for hospital stays, to help cover the copays and deductibles your health plan leaves behind.
Life & Final Expense
Simple, affordable policies that make sure your family isn't left with funeral costs or final bills.
Cancer & Critical Illness
A cash cushion against the big diagnoses that can drain retirement savings fast.
Long-Term & Short-Term Care
Protection for extended care needs — at home or in a facility — before they become your family's problem to fund.
Under 65 & retirement
Individual & Family Plans
Not Medicare age yet? We help individuals and families find health coverage that fits their budget, too.
Annuities
Options for turning savings into dependable income you can't outlive — explained in plain terms before anything else.
Not sure what you need?
That's the point of the first call.
Tell us your situation and we'll map out your options — in plain English, at no cost.
Founded byMiles Mitchell
Home baseMuncie, Indiana
Agency typeIndependent, multi-carrier
FocusMedicare & retirement coverage
INKSKYMIMOOHOKTXVAWA
Meet the team
The team that actually picks up.
When you call Indiana Health Advisors, you don't get a call center — you get us. We're a Muncie-based team of licensed advisors and client-service staff who handle everything from your first Medicare 101 conversation to the claim question you have three years later.
Every advisor on the team works the same way: education first, recommendation second. We compare plans from multiple carriers, check your doctors and prescriptions before suggesting anything, and sit down with you every year to make sure your coverage still fits.
The agency was founded by Miles Mitchell, who grew up watching his mom help people with their insurance and never really left the family business. Born and raised in Muncie, Miles built Indiana Health Advisors on one simple idea: be the people your clients can actually call.
— The Indiana Health Advisors team
How it works
Three steps, start to covered.
1
Learn
A short, plain-English walkthrough of how Medicare works and what your real options are. No jargon, no pressure.
2
Compare
We check your doctors, hospital, and prescriptions against the plans in your county, then show you the trade-offs side by side.
3
Enroll & stay covered
We handle the paperwork, confirm your enrollment, and review your coverage with you every year. One local number, for life.
Contact
Let's talk.
Whether you're brand new to Medicare or just want a second opinion on your current plan, the first conversation is free — and always will be.
Call or text
(765) 287-9380
The fastest way to reach us. If we're with a client, we'll call you right back.
Connect online
Indiana Health Advisors on Facebook
Plain-English Medicare tips and enrollment reminders, year-round.
Serving
Muncie & all of Indiana — plus clients in Kansas, Kentucky, Michigan, Missouri, Ohio, Oklahoma, Texas, Virginia, and Washington.
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