About
Ensurem is a licensed health insurance agency platform designed to simplify the process of finding and enrolling in Medicare coverage. Operated by HealthPlanOne, LLC and based in Connecticut, the service currently represents 36 organizations offering over 4,135 Medicare products nationwide. The platform enables Medicare-eligible individuals—those 65 and older, or those qualifying due to disability, ALS, or End Stage Renal Disease—to compare Medicare Advantage (HMO, PPO, PFFS), Medicare Supplement, and stand-alone Prescription Drug Plans (PDP) side by side. Users can either explore plans online or connect with a licensed insurance agent via phone (1-833-776-3435, TTY: 711) for personalized consultation at no cost. Ensurem is particularly useful during Medicare Initial Enrollment Periods and Special Enrollment Periods. The service is free to consumers, as agents are compensated by the insurance carriers. It supports accessibility through TTY relay services and maintains strict nondiscrimination policies. Ensurem is ideal for Medicare-eligible individuals seeking unbiased guidance, caregivers helping aging family members navigate plan options, and anyone looking to switch or enroll in Medicare coverage during open enrollment seasons.
Key Features
- Medicare Plan Comparison: Compare Medicare Advantage, Medicare Supplement, and Prescription Drug Plans from 36 organizations offering 4,135+ products in your area.
- Licensed Agent Consultation: Speak directly with a licensed insurance agent via phone (1-833-776-3435, TTY: 711) for personalized, no-cost plan guidance.
- Location-Based Plan Matching: Finds plans available specifically in your geographic area to ensure accurate, relevant options are presented.
- Multiple Plan Types Supported: Covers HMO, PPO, PFFS Medicare Advantage plans, Medicare Supplement insurance, and stand-alone PDP prescription drug plans.
- Accessibility Support: Offers TTY relay service (711) to ensure Medicare-eligible individuals with hearing or speech impairments can access assistance.
Use Cases
- A Medicare-eligible individual turning 65 who wants to compare plan options during their Initial Enrollment Period.
- A caregiver helping an aging parent review and switch Medicare Advantage plans during open enrollment.
- Someone with a qualifying disability under 65 exploring Medicare Supplement coverage options.
- A Medicare beneficiary looking to add or change a standalone Prescription Drug Plan (PDP) to reduce out-of-pocket medication costs.
- Any Medicare enrollee wanting expert, no-cost guidance from a licensed agent before making coverage decisions.
Pros
- Free to Consumers: The comparison and agent consultation services are completely free; agents are compensated by the insurance carriers.
- Wide Carrier Coverage: Represents 36 organizations with over 4,135 products, providing broad plan options across many regions.
- Expert Human Guidance: Licensed insurance agents are available to provide personalized recommendations, not just automated plan listings.
Cons
- Not All Plans Available: Ensurem does not represent every plan in every area; some local or regional options may not be listed.
- Lead Generation Model: Submitting your information connects you with agents who will follow up, which may feel intrusive for users just browsing.
- Limited to Medicare Products: The platform focuses exclusively on Medicare-related insurance and is not suitable for other health insurance needs.
Frequently Asked Questions
Is Ensurem affiliated with the federal government or Medicare.gov?
No. Ensurem is a private licensed insurance agency operated by HealthPlanOne, LLC and is not affiliated with the federal government or Medicare.gov.
Does using Ensurem affect my current Medicare enrollment?
No. Submitting your information on Ensurem does not impact your current Medicare Part A and Part B enrollment, nor does it automatically enroll you in any plan.
When can I enroll in a Medicare Advantage plan through Ensurem?
Enrollment is typically limited to specific times of year, such as the Annual Enrollment Period, unless you qualify for a Special Enrollment Period or are in your Initial Enrollment Period.
How many plans does Ensurem represent?
Ensurem currently represents 36 organizations offering 4,135 Medicare products, though availability varies by location.
Is there a cost to speak with a licensed agent through Ensurem?
No. Speaking with a licensed agent through Ensurem is free of charge to consumers. Agents are compensated by the insurance carriers.
