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A financial professional talking to a client about Medicare.
A financial professional talking to a client about Medicare.
Medicare made simple: guide clients with confidence
Medicare is arguably one of the biggest retirement decisions and most don't know where to turn. But you don’t have to be an expert to help clients make confident choices. We've worked with 65 Incorporated®, Medicare experts, to help you get started.
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Bringing Medicare into the conversation

You do not need to be a Medicare expert to support your clients. Most simply want someone who can talk it through with them.

Download Protective’s latest white paper to learn how to guide Medicare conversations and connect them to retirement income, long‑term care, and other key milestones.
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Why Medicare conversations matter
Even small Medicare missteps can add up quickly — and some can’t be undone. With so many options and rules, Medicare can be challenging for clients to understand. Learning to meaningfully support key Medicare decisions not only helps you better serve clients, but can also strengthen your relationships.

We've partnered with Medicare experts, 65 Incorporated (external page), an industry leader in unbiased Medicare guidance to bring you these resources.*

Understand Medicare myths to build confidence in retirement plans

To start a productive client conversation, understanding Medicare myths is a great first step. It helps them understand what’s at stake, and builds confidence in a path forward with you by their side. Check out three common myths.
A common myth is that Medicare is free.
While Part A is free for most people, other Medicare insurance plans require premiums, deductibles and out-of-pocket costs.1
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Once enrolled in Medicare, it does not change.
Failing to review plans annually could end up costing clients more per year, so it's important to plan for annual, ongoing conversations with them to check in.2
Icon Long term care
Medicare covers long-term care (LTC).
Medicare does not pay for anything toward LTC, and these costs can quickly deplete savings. Most clients will need LTC services, and you can help by ensuring their retirement plans address this need.3
Ready to debunk Medicare myths with your clients?
Download and share this client-approved brochure at upcoming meetings. It will help you start a productive conversation about Medicare as part of their holistic retirement plan.
Download
A financial professional explaining common Medicare myths to her client.

Begin Medicare planning by focusing on timing and plan type

Many clients start planning in the middle of the process. Reframe the approach with six Medicare steps, and focus your discussions on the first two: enrollment timing and plan type.
Decide enrollment timing
Choose type of coverage
Select specific plans
Enroll in Medicare Parts A and B
Enroll in plans from step 3
Review coverage annually

Helpful resources for Medicare conversations

Ready to start discussing Medicare as part of a holistic financial plan? Get started with these helpful tools.
A white paper on the importance of Medicare planning.
Medicare planning: why it matters – and why financial professionals can’t ignore it
Download
Cover of the consumer Medicare guide.
Customer guide: Prepare for Important Medicare Decisions Ahead
Download
a flyer on the costs of Medicare based on type.
The impact of choosing a Medicare type based on premium alone
Download
Cover of Medicare Dimensions Payoff flyer
How to prepare for healthcare costs in retirement
Download

Host a turnkey client event to share Medicare knowledge

Position yourself as a trusted resource by hosting an informational client seminar on this important topic. We’ll provide everything you need to be successful, from invitations to presentation and workbooks.

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We’re here for you

We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
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*This material was developed in collaboration with 65 Incorporated, an industry leader in unbiased Medicare guidance. 65 Incorporated was co-founded by Diane J. Omdahl and Melinda A. Caughill. Diane is a registered nurse and one of the nation’s foremost Medicare experts and Melinda is a noted Medicare speaker. 65 Incorporated helps consumers and financial professionals with Medicare information and individualized guidance.

1 Accessed March 3, 2026, https://www.medicare.gov/basics/costs/medicare-costs.

2 “Why Older Adults Should Review Their Medicare Coverage Each Year”, July 22, 2025, National Council on Aging, accessed March 3, 2026, https://www.ncoa.org/article/why-older-adults-should-review-their-medicare-coverage-each-year.

3 Accessed March 3, 2026, https://www.medicare.gov/coverage/long-term-care.

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