The Federal Government bears no responsibility when individuals incorrectly navigate Medicare by attempting to follow their Medicare & You guidebook. Furthermore, some private insurance companies confuse seniors with misleading self-promotional mailers and infomercials. Even the internet fails to provide the necessary guidance to understand dozens of enrollment periods and make sense of the hundreds of Medicare insurance plan options available to you.  It is no wonder hundreds of frustrated people come to us each year after trying to navigate Medicare alone or after utilizing an unqualified agent.