Medicare consultants, Medicare advisers, Medicare advisors,

Medicare Consultants


847-715-9693    847-266-7800


HealthCare Initiatives (HCI) Medicare consultants have offered unbiased, confidential and objective advice to prospective and existing Medicare enrollees throughout the United States for many years. HCI is not affiliated in any way with insurance and drug companies. HCI's Medicare consultants facilitate objective analyses and evaluations of the cost and quality differences among Medicare options available to you in your residence location. We guide our clients throughout the enrollment and change processes. In addition, our consultants provide clients with a written report with specific recommendations. An added value is a tutorial to help clients navigate Medicare for the rest of their lives without the need to rely on insurance agents or others. Our clients normally reap savings of 3 to 10:1 from investing in our services.

Medicare can be the highest quality and most cost-effective healthcare coverage available in America if enrollees make the most prudent decisions among many options. HCI identifies and recommends the most qualitative and cost-effective options to our clients. We help our clients to understand the long view of their Medicare experience, to avoid unnecessary expense, and secure access to the finest medical providers throughout the United States. Our clients are the most enlightened for any future contingencies. They are empowered healthcare consumers.

Covid-19 and us:

1. Vaccinations:  IF you live near a vaccination center (drug store, community center, etc.) within a short walking distance and have not been vaccinated to date, try letting the administrators know that you would be available on very short notice when they have appointment cancellations. We know that some facilities have an internal wait list to ensure that all available times are utilized and to avoid spoilage.

2. Most of us who are Medicare-age are at greater risk than younger people. In addition to vigorous hand-washing as recommended by the CDC, our consulting team recommends:

3. Covid-19 status briefings are not political rallies or opportunities to express grievances.

4. For many years, HCI's medicare consultants have provided services to clients by telephone and Email. We will continue to optimize your Medicare cost-effectiveness decisions with our high quality services by the same means in a timely manner.

HCI advocates solely for the best interests of Medicare enrollees and their families. Our role is to offer the best advisory services and to be of optimum value to our clients. We invariably research, determine and recommend the most cost-effective and high quality care for our clients. Whether there are 40 or 140 plans, we analyze every plan available to our clients in their residence locations and recommend the most cost-effective and provider-accessible.

An 'independent insurance agent' sells insurance policies for commissions provided by several different insurance companies. An 'independent agent' is a contractor for a dozen or so insurance companies. Some companies have their own exclusive agents, who are their employees. Most of their clients will never learn about the most cost-effective Medicare options. The more expensive a Medicare option is, the more lucrative it is for insurance agents.

*HCI's Medicare Consultants eliminate confusion and steer enrollees in the direction of:


"This is great. Thank you very much for the thorough work and excellent service. It makes the whole process (changing to a more cost-effective Part D Plan) less challenging."  --- Debra R., San Francisco, CA

"Thank you so much for all the work you put into choosing my Mom's medigap choices. I will review them with her and then make the appropriate phone calls.  I will let you know which one we choose. It has been a pleasure working with you." --- Cyndy B., Carroll County, NH

"Over the last few months I have received information from so many sources, government, brokers, etc. I got an education.  As I began talking to the carriers you recommended they seemed surprised with my knowledge of the process. So thank you." --- Alan R., Glen Rock, PA 

"I just wanted to express my gratitude for all your help and to let you know I am well-situated with all my coverages towards which you guided me ... I will not hesitate to pass along your name as my peers move towards 65 and have these decisions to make." --- Ann A., Pike County, PA

"All signed up and ready to go ... I very much appreciated your advice and your dedication to getting this to me in time to be useful! I've already recommended you to a few people." --- Scott M., Brooklyn, NY 

"Your help and Medicare advice were excellent.  I have several friends coming up on 65 in the next few years so you will be receiving some referrals from me." --- Chuck G., Los Angeles, CA

"I am really glad I retained a pro like you. Very thorough and very valuable to me. Much appreciated all your stellar professional work and sage advice." --- Bill W., Washington, D.C.

"I am so appreciative of your assistance. Trying to do this (make Medicare changes) for my mother would have been impossible without your firm. Your fee was the best money I have ever spent." --- M.W., Ridgefield, WA

"The service you provided is invaluable.  I could have never waded through the Medicare swamp alone, if I did it would have cost me far more than your fee. I recommended your service to a few friends in a similar situation, I certainly hope they contact you." --- Jim C., Wilmington, NC

"I have completed all the major steps relating to both my Medicare enrollment ... as well as ... my family members (enrollment) in more affordable plans. My new monthly premiums for myself and my family will be a 60% reduction over what I had been paying ... . Your help has been much appreciated --- Jim B., San Diego, CA

"Your assistance was extremely helpful ... great value received ... well-worth your fee. Thank you." --- Floyd S., Douglas County, OR

"I found the information you provided to be incredibly helpful.   Using your service saved me a lot of time." Leslie L., New Braunfels, TX

"Thank you for your comprehensive review and explanations ... guidance and recommendations, you turned a morass into a simple process." --- Ed W., Wilmington, NC

"The services were excellent. They were essential to an understanding of the arcane insurance coverage." --- Tom and Judy H., El Paso County, CO

"Your ability to breakdown the vast amount of information into understandable bullet items in your written report is OUTSTANDING!" --- Kathy S., Los Gatos, CA

"Thanks again for your guidance through this process. We both got so much out of today's conversation with you." --- Charles & Barbara H., Dallas, TX

"My employer dropped my coverage, so I needed to enroll in Medicare plans per your timely recommendations. I will save several hundred dollars monthly. Your guidance is much appreciated. Thank you for your help." --- Glenn B., Payson, AZ

"Thank you for your help. We have enrolled in the plans which you recommended now and after we relocate to Colorado. We are very grateful that my heart transplant medications will be affordable hereafter because of the resourceful pathway which you recommended to us."--- Lory & Gary C., Bakersfield, CA


HCI's Medicare consultants have decades of experience in analyzing and evaluating health insurance plans and correlating them with the highest quality healthcare delivery systems.

Our objectives for our clients are:

(1) To ensure that clients have access to the finest medical practitioners available for all unforeseeable healthcare challenges in the future, and

(2) To ensure that our clients have the most cost-effective and seamless Medicare options available to them.

Too often, Seniors remain uninformed about all of the significant factors relevant to making informed decisions about Medicare options. HCI's role is to provide meaningful Medicare advice:

The value derived from HCI's Medicare advice and services may be determined by:

(a) The expertise provided in outlining all of the factors Seniors should know when providing for their long-term healthcare coverage;

(b) The cost-effectiveness of the specific plans which HCI will recommend;

(c) Both the immediate objectives and long-term goals clients will meet and fulfill while enjoying peace of mind, and

(d) The knowledge and insights clients receive about Medicare options and rules, which will serve them well throughout the rest of their lives.

*Medicare advice provided by our Medicare Consultants includes:

HCI's Medicare consultants serve as independent advisors to Seniors. We do not sell other services to you or capture information from you with which to market future services.

HCI recommends the most cost-effective and comprehensive Medicare options available --- medical coverage policies and Part D medications plans --- to our clients to ensure their access to quality care for the rest of their lives. The decisions Medicare enrollees make might cost or save them thousands of dollars in unnecessary expenses annually. Every client has unique lifestyle circumstances and healthcare needs, which we factor into our analyses and evaluations.

847-266-7800  847-715-9693


*The Medicare Consultation process is simple:

  1. Following an initial inquiry by telephone or E-mail, an assigned Medicare consultant schedules a brief free telephone assessment with the Senior and/or family members.
  2. Next, our consultant sends you a brief information form to complete. Upon receipt, we will review it, and thereafter, E-mail an outline of services and fee-for-service quote.
  3. Once approved, we E-mail a Retainer Agreement for your review and approval.
  4. Upon receipt of the signed Retainer and fee, the team researches, analyzes, and evaluates Medicare options and determines the most cost-effective, comprehensive, and finest medical provider accessibility coverage.
  5. Our Medicare consultants provide an extensive written analysis and evaluation report (usually 6-14 pages) with specific recommendations, a strategy for navigating Medicare long-term, and high-tier (if applicable) RX medications' alternative resources.
  6. After clients have had the time and opportunity to review the report, HCI schedules a Q & A teleconference to answer questions and explain why we recommended the strategy and options documented in the report.

HCI is not affiliated with any insurance or Rx drugs organization. Insurance agents and brokers represent the interests of insurance companies. HCI advocates solely for the best interests of Medicare enrollees and their families. Our role is to offer the best advisory services and optimum value to our clients.

Only 5 percent of Medicare beneficiaries buying Part D plans choose the least expensive plans with comparable or better benefits than the most expensive plans according to a study published in the October 2012 issue of Health Affairs by Project Hope. The uninformed choice of a Part D Plan may result in expensive monthly premiums, annual deductibles, and excessive co-pays. Some medications may not be covered by all Part D Plans. And the vast majority of Medicare enrollees choose the most expensive Medigap/Medicare Supplemental Insurance Plans.

HCI charges a one-time Retainer Fee, which varies depending upon the specific circumstances and time needed to research and customize the most cost-effective plan for each client. Our services invariably result in substantial cost-savings --- often 5-20x the cost of our services and knowledge enhancements for all of our clients.

All Medicare consultations are confidential, your information is never shared, and client files are secured forever.




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Typical Savings: Case Studies

Michael contacted HCI to ask for help in trying to figure out why his mother's medications costs were so expensive and to determine if she could find more cost-effective coverage than her Advantage Plan. HCI determined that his mother, a nursing facility resident, was being charged a fortune by the facility's pharmacy contractor. HCI recommended that Michael change his mother's plan to one which will enable her to have optimum healthcare provider choice and be much more cost-effective. We analyzed and evaluated all of the Medicare Part D Rx Drugs Prescription Drug and Medigap/Supplemental Insurance Plans available to her. And we teleconferenced with CMS/Medicare and Michael to effect a transition, obtain accurate answers to important questions, and ensure that Michael's mother will have the most seamless coverage available. The government Medicare staff who enrolled her was both surprised and appreciative that HCI represented enrollees' best interests; she stated that CMS normally receives calls from irate insurance agents instead. Michael's mother will save more than $14,900 annually on RX drugs and potentially thousands more in medical expenses.

David had paid out more than $8,000 for his medications in 2013. He contacted HCI during the Open Enrollment period. HCI's Medicare Consultants analyzed and evaluated all of his available Part D and Medigap plan options for the following year. Our Medicare Consultants found plans with less expensive monthly premiums (savings = $150/month) and a Part D plan, which included his medications in its formulary at a lower tier level, less costly co-pays, and no deductible (savings = $3500). David saved a minimum of $5300 in 2014 by pursuing our recommendations.

Blair was employed and covered by insurance until she was 67 years old. She decided to transition to Medicare because her company's health plan cost her $300/month plus $40 co-pays for office visits and had a deductible of $3000. Her medications had co-pays of either $25 for generic drugs or $50 for brand name drugs. Her typical out of pocket expenses were approximately $8000/year. She contacted HCI to help her make some Medicare plan choices. HCI's Medicare Advisors researched her options. Ultimately, we recommended Medicare plans which would result in savings of about $4500/year not including potentially tens of thousands more because her company's plan required 30% coinsurance after she reached her deductible.


Terry lost his job and his employer's insurance plan. He needed to enroll in Medicare quickly, but was confused by the myriad of options available to him. HCI advised him to avert the expense of a COBRA Plan, provided him with the requisite information and SSA forms with which to enroll in Medicare, and conducted an analysis and evaluation of 30 Part D RX Plans and hundreds of Medigap Plans available to him. Within 2 weeks, Terry was enrolled in the least expensive, most cost-effective and most comprehensive Medicare coverage plans available.

Medicare Consultants: Objective and Independent Medicare Advice

Our Medicare Consultants render objective, candid professional opinions and Medicare advice based solely upon enrollees' needs, preferences, priorities, unique circumstances, coverage goals, and optimum cost-effectiveness.

Our dual objectives of maximizing value and minimizing anxiety, confusion and expense are evidenced in the added-value derived and reasonable fees charged for our services. Normally, we are able to complete our research and provide written findings and recommendations to clients within 15 days and sooner on an expedited basis.

Medicare Consultants

HealthCare Initiatives, Inc.

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 Telephone: 847-266-7800; 847-715-9693

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Medicare Consultants --- Medicare Advice