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⚠️ FREE 2026 GUIDE

Medicare 2026: 10 Mistakes That Cost You

How to avoid unnecessary expenses, penalties, and costly Medicare decisions

In this free guide you'll learn:

  • Why Medicare is NOT free - and what happens if you don't pay.
  • How to check prescription coverage before it's too late.
  • Medicare Advantage vs. Medigap - explained simply.
  • Critical deadlines you can't miss and lifetime penalties.
  • Self-assessment checklist before choosing a plan.

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✓ PDF guide • Delivered to your email in 30 seconds

📥 Over 1,000 people have downloaded this guide

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Meet Veronika Rowell — Founder & Principal Agent

PhD in Economics • Licensed Insurance Agent • Social Security Registered Analyst

I founded Chief Insurance Services because I believe everyone deserves honest, unbiased Medicare guidance - not a sales pitch. Our team of licensed agents has helped thousands of clients nationwide find the right coverage, and we'll be here long after enrollment to answer every question.

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How It Works

Why Use an Independent Broker?

When you call an insurance company directly, they can only show you their plans. When you use the Medicare portal, you’re on your own. An independent broker like Chief Insurance Services compares plans across 30+ carriers to find the best fit – and our service is completely free because we’re compensated by the insurance carriers, not by you. You pay the exact same premium whether you enroll through us or go direct.

Call a Carrier

Medicare portal

Chief Insurance Services

Plans compared

Only theirs

All (no guidance)

30+ carriers, personalized

Expert guidance

Sales agent

None

Licensed independent agent

Cost to you

$0

$0

$0

Lifetime support

Rarely

No

Yes – always

What Our Clients Say

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FreeAtBirth Me profile picture
FreeAtBirth Me
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I am so satisfying with my consultation by phone call. The call was in exact time I requested. The consultate respond all.my question with the highest knowledge not just about MediCare but about my retirement as well. Thank you.
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Magic Life profile picture
Magic Life
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В нашей жизни бывают неожиданные встречи и знакомства. Они бывают, как полезные и � орошие, так и негативные. Негативные � очется спрятать поглубже, забыть о ни� , а вот про позитивные мне всегда � очется "трубить" :)) И это как раз тот случай! Обратите внимание на эту компанию, которая делает фантастическую работу: они консультируют по медицинской стра� овке БЕСПЛАТНО, живущи� в США и прие� авши� из пост советски� стран! Это дорогого стоит!!! Поскольку эта компания даёт Вам возможность не потеряться в лабиринта� медицинской стра� овки во все� направления� :)) Команда экономит Вам большие средства! Не бойтесь сконтактировать с ними (по телефону или мэил), поскольку у ни� ангельское терпение и высокого уровня профессионализм! Они работают с Медицинской стра� овкой по 50 штатам США для русско-язычного населения! Вы можете такое представить? Очень довольна консультацией сегодня в этом направлении, это не фейковый контакт и проверено на себе. Особенно для пенсионного возраста, когда восприятие уже не такое "острое", как у молодёжи. Вот поэтому и "трубою" Я здесь, чтобы донести инфо и до други� ушей :)) С огромной благодарностью и в надежде стать Вашим клиентом в следующем году по медицинской стра� овке! P.s. я работала с Надеждой и лучший сервис очень сложно представить :)) Unexpected encounters and new acquaintances happen in our lives. Some are beneficial and positive, while others are negative. We tend to want to bury the negative ones deep and forget them, but I always want to shout from the rooftops about the positive ones! :)) And this is exactly one of those cases! Take a look at this company—they are doing a fantastic job: they provide FREE medical insurance consultations to people living in the USA who come from post-Soviet countries! That is truly invaluable!!! They help you navigate the complex maze of medical insurance options :)) The team saves you a lot of money! Don't hesitate to contact them (by phone or email); they possess angelic patience and a high level of professionalism! They handle medical insurance across all 50 US states for the Russian-speaking community! Can you imagine that? I am very pleased with the consultation I received today; this is a genuine service that I’ve experienced firsthand. It is especially helpful for those of retirement age, when one's grasp of details might not be as "sharp" as it is for younger people. That’s why I’m spreading the word—to share this information with others! :)) With huge gratitude and the hope of becoming a medical insurance client of yours next year! P.S. I worked with Nadezhda, and it’s hard to imagine better service! :))
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Людмила Хомова profile picture
Людмила Хомова
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Наша семья ,Виктор и Людмила обратились в брокерскую компанию Veronika Rowell Medicare Chief Insurance Services за помощью в получении новой стра� овки .Роза взяла на себя огромную заботу об оформлении все� необ� одимы� документов. Мы очень благодарны Розе за душевное отношение к нам ,большое терпение и высокий профессионализм по данному вопросу. У Вашей компании несомненно большое будущее, так держать!!! Всем советуем обращаться в Вашу компанию. Низкий Вам поклон. Семья из Окла� омы.
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Maryna Chudna profile picture
Maryna Chudna
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Огромное спасибо компании и особенно Лилии, которая помогла мне пройти очень непростой путь по выбору правильного медицинского плана. Рекомендую обращаться к ним как к специалистом наивысшей квалификации)))
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Beyond Books Solutions profile picture
Beyond Books Solutions
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Very good services! I received a lot of advice and help choosing the best insurance for my mom. Veronica is a really caring person and checked on us after we signed to make sure we are all set.
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Olesia Chorna profile picture
Olesia Chorna
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⭐️ Review I would like to express my sincere gratitude to Chief Insurance Services Medicare/Health Insurance, Licensed Insurance Agency for helping me with my health insurance through the Marketplace in Grand Rapids, Michigan. This was my first time going through the process, and unfortunately, due to my lack of experience, I made several mistakes after enrolling. Those mistakes could have caused me to lose my insurance coverage completely, which was very stressful. However, their team responded incredibly quickly and handled everything in a highly professional and organized way. They corrected all the issues in a short time and helped restore my insurance coverage fully. I truly appreciate their patience, support, and dedication. It means a lot to have professionals who genuinely care about their clients and go the extra mile to fix complicated situations. I highly recommend their services!
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Valery Martynov profile picture
Valery Martynov
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Отличная компания! Работала с Надеждой, очень отзывчивый и профессиональный человек, всё чётко объяснила, рекомендую всем,
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Frequently Asked Questions

Is your service really free?

Yes, always. We’re compensated by the insurance carriers – not by you. You pay the exact same premium whether you enroll through us or directly with the carrier. There are no hidden fees, ever.

Will I get pressured into buying a plan?

Absolutely not. We provide information and recommendations so you can make an informed decision on your own terms. No hard sells, no follow-up calls you didn’t ask for. If you’re not ready, that’s completely fine.

Can you help me if I don't live in Michigan?

Yes. Our agency is licensed in all 50 states and we serve clients nationwide by phone and video. It doesn’t matter where you live – we can help.

What if I already have a Medicare plan?

We can review your current plan and compare it against alternatives at no cost. If your existing plan is the best option, we’ll tell you – there’s no incentive for us to switch you unnecessarily.

How long does a consultation take?

Most consultations take 20-30 minutes. We’ll review your situation, answer your questions, and walk you through your options. If you need more time, we’re happy to schedule a follow-up.