Experience
Peace of Mind
Navigating Your Medicare Plan Options
Our promise to you
Most agencies recruit agents. We build careers.
My Davis Group provides valuable guidance by explaining the intricacies of your Medicare plan options. Our licensed insurance agents help you navigate enrollment and choose a plan that fits your specific healthcare needs and budget — then stay with you, keeping you informed about annual plan changes and answering questions year after year.
What makes that promise real is the model behind it. After 20+ years in Medicare and a decade running this agency independently, we've kept the group deliberately small: seventeen licensed agents who do this full-time, as a profession — not a side hustle. Together they help roughly 4,000+ beneficiaries enroll every year. That's why they stay, and why you keep the same agent.
"When your agent's career depends on keeping you — not just enrolling you — everything about the relationship changes."
02 · Why this matters
Medicare is confusing. Doing it alone is worse.
Most people don't think about Medicare until it's suddenly urgent — a birthday, a retirement, a spouse's plan ending, a bill that doesn't look right. When that moment comes, you shouldn't have to explain your situation to a stranger who's reading from a script.
"The person who enrolls you should be the person who answers when the hospital bill arrives wrong — not a stranger in a call center reading from a script."
You've spent decades building a life, a family, a career. The healthcare decisions ahead of you deserve the same care — not a 20-minute call with someone you'll never speak to again.
We built My Davis Group to be the opposite of that. One agent. Yours. On their direct line. For as long as you're on Medicare.
- Choosing the wrong plan and being stuck with it
- Missing a deadline and paying a penalty for life
- Getting a hospital bill they don't understand
- Being sold a plan that pays the agent, not them
- Never getting the same person on the phone twice
"It felt like I had someone in my corner the whole time."
03 · Wherever you are in Medicare
Start where you are.
Two paths, one team. Whether you're approaching Medicare for the first time or already enrolled and want a second set of eyes, the same licensed agents guide you through it — at no cost to you.
New to Medicare?
Turning 65, retiring, or leaving employer coverage? Request a meeting (at no cost to you) and we'll walk you through your options in plain English:
- Original Medicare, Medicare Advantage & Supplement plans
- Employer group coverage decisions
- Prescription drug plans
- When you can — and must — enroll
Already on Medicare?
Medicare rules and plans can change every year. Your agent keeps you current — annually, at no cost to you:
- New Medicare updates for the year ahead
- Selecting a local primary care provider or medical group
- Questions about your current coverage
- A yearly review that your plan still fits
04 · The industry model vs. ours
Why so many Medicare experiences feel the same — and wrong.
Two structural problems shape the Medicare marketplace, and both work against the person on the other end of the phone. Understanding them is the fastest way to know what to look for — and what to walk away from.
Predatory marketing, rotating agents, scripts written to close — not to help.
National TV ads and 1-800 numbers funnel calls to giant call centers where a rotating cast of licensed agents reads from a script. Many of these operations engage in tactics that violate CMS marketing rules — unsolicited outbound calls, contacting people who never gave permission, high-pressure enrollment, and steering toward the plan that pays the highest commission rather than the plan that fits. When you call back in March, the agent who enrolled you is gone — you get whoever's next in queue.
Hundreds of agents. Low enrollments per agent. An upline that quietly decides how you're served.
Other agencies recruit hundreds — sometimes thousands — of agents. The math is stark: if an agency has 500 agents and 10,000 enrollments a year, the average agent handled only twenty families. That's not a career, it's a hobby. The design isn't accidental — the principal earns override commissions on every recruit's production while agents cycle in and out. And because nearly every agent reports to an upline who earns a share of their business, the upline's incentives quietly shape how the agent handles yours.
Seventeen agents. Full-time careers. No uplines. No call center. No mass recruiting.
We carefully selected a group of seventeen licensed agents who do this as a profession. Together they help roughly 4,000+ beneficiaries enroll every year — which means the average agent here handles hundreds, not twenty. That's how you get judgment, not scripts. No one here is part of a recruitment mill. No one is pushed to close. And the person who enrolls you is the person who answers when you call back — in March, in July, five years from now.
05 · Medicare 101, in plain English
What the four parts actually mean.
You don't need to memorize this — your agent will walk you through it. But if you want to arrive at that call already oriented, here's the whole system in one page.
Hospital coverage
Inpatient hospital stays, skilled nursing after a hospital visit, hospice, some home health. For most people, Part A is premium-free because you (or a spouse) paid Medicare taxes for at least 10 years.
Doctors & outpatient
Doctor visits, preventive care, outpatient procedures, durable medical equipment. Comes with a monthly premium (set by CMS each year) and typically 20% coinsurance after the deductible.
A private alternative that bundles A + B and often D
Private insurers offer plans that replace Original Medicare with their own network, often bundling drug coverage and extras (dental, vision, gym). Lower monthly cost, but network and prior-authorization rules apply.
Prescription drugs
Stand-alone drug coverage layered on top of Original Medicare (or built into most Medicare Advantage plans). Formularies and pharmacy networks vary widely — the same drug can cost very differently across plans.
Enrollment windows — don't miss them
Missing a window can mean paying a lifetime penalty. There are four:
The 7-month window around your 65th birthday: three months before, your birthday month, and three months after. Enroll here and there's no late penalty.
Oct 15 – Dec 7 every year. This is when you can switch plans, add or drop Part D, or move between Original Medicare and Medicare Advantage. Changes take effect January 1.
Medicare's Open Enrollment, Jan 1 – Mar 31, is only for people already in a Medicare Advantage plan, and it allows one change: switch to a different MA plan, or drop MA and go back to Original Medicare with a standalone Part D drug plan. It's not a chance for people on Original Medicare to join an MA plan.
Triggered by a life event — moving, losing employer coverage, qualifying for Extra Help. Gives you a limited window outside AEP without penalty.
This page is educational, not plan-specific. Your agent will translate this into the decisions that apply to you.
06 · Meet your agent
The people behind My Davis Group.
07 · What clients say
In their own words.
Real clients, real Medicare journeys — and an agent who was still there years later.
It has always been 5 stars!! Ryan handles all things Medicare for me, since the day I turned 65 which was 10 years ago, and he has been absolutely amazing from day one. He is incredibly responsive, deeply informative, and completely takes the stress out of navigating Medicare. Ryan brings a perfect balance to his work: he maintains a highly positive, professional, and business-like sense while still providing a warm, caring personal touch. If you need a Medicare advisor, look no further. He truly goes above and beyond! He has done this not only for me and Susie but for everyone I have recommended — past, present, and for sure future!!
I appreciate Ryan. From the beginning of our retirement he was there to help us along with our Medicare questions and placement. We came across Ryan by one of my customers that had retired and he spoke highly of Ryan's ability to make the process of Medicare easier. Ryan is knowledgeable of the ins and outs of the different healthcare companies. Based on his knowledge, Ryan could point us in the right direction according to our health care needs. We still have contact with Ryan whenever we have a question. Ryan always responds in a manner that is professional and kind! Even though we retired a couple years ago, we still are appreciative of his ongoing service to us. He hasn't disappeared into the night, like so many have!
I was dreading dealing with Medicare but Ryan made it easy. He was patient, clear, and always quick to respond whenever I had a question. It felt like I had someone in my corner the whole time.
Your Medicare Account
Everything in one place — and your agent one click away.
Create a free, secure account to manage your Medicare on your own time. When you're ready for a real person, your agent is right there.
- Add or edit your doctors — confirm the providers you want are covered.
- Enter your prescriptions — check your medications are covered before you decide.
- View your current plan or enroll in a new one — compare what's available in your area.
- Book time directly on Ryan's calendar — pick an appointment that works for you, right from your account.
Your secure account
Secure account provided through PlanEnroll. No cost to create and no obligation to enroll.
08 · Request a meeting
Tell us a little. We'll call or email back.
Tell us when to reach you and a licensed insurance agent near you will follow up.
Manage doctors, prescriptions, and plans yourself, anytime.
Prefer the form? Send it below and we'll follow up within one business day.
Choose whatever's easiest — request a call back, create your own account, or send the quick form below. One inquiry, one direct human response.
The conversation is educational. We'll answer your questions, explain your options in plain English, and — only if you want us to — walk through the specific plans available in your area. There's no cost and no obligation to enroll.
No 1-800 line. No script. Just a real agent who will still be here five years from now.
Prefer to just call?
(206) 446-3038 · Monday–Saturday, 8am–7pm PT
By calling this number you will be connected to a licensed insurance agent.
Request a Meeting
A licensed insurance agent near you will follow up by phone or email within one business day.
09 · Common questions
Frequently asked questions about Medicare.
10 · Connect with a licensed insurance agent
One call. A real agent. No cost to you.
"Call us — really. Ask us the question you'd usually save for a family member. That's the job."
My Davis Group is a non-government entity. We are not connected with or endorsed by the United States government or the federal Medicare program.
Requesting a meeting is free, educational only, and carries no obligation to enroll; no plan-specific benefits will be shared unless you ask for them. For accommodations of persons with special needs, contact Ryan@mydavisgroup.net. By emailing this contact you will be directed to a licensed insurance agent.
Ryan Davis, Licensed Insurance Agent, License #833936 · Agency License #1055507
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