Holowchuk Health Advisors

For adults turning 65

You’re about to get buried in Medicare mail.

Fifteen minutes with a licensed advisor beats fifty pages of it.

Start my free review

5 quick questions · no cost · no obligation

Tom Holowchuk, licensed Medicare advisor
Tom HolowchukLicensed independent Medicare advisor
  • Licensed in multiple states
  • Independent — we compare 12 carriers
  • You talk to Tom, not a call center

The part most people miss

You get seven months. Then the window closes.

Your enrollment period opens three months before your birthday month and closes three months after. Miss it without coverage through a job, and you pay a late penalty for the rest of your life.

Seven months, counted from your birthday month

Start early. The choices you make in this window are easier to get right the first time than to fix later.

What Tom goes through with you

No sales pitch. Just your actual situation.

Whether your doctors are covered

The single question that decides most of this. He checks your specific doctors, not a general network list.

What your prescriptions will really cost

Drug coverage varies enormously between plans. He runs your actual medication list.

The two paths, side by side

Advantage or Supplement, with the real trade-offs of each — including the ones that only matter if you get sick.

Who you’ll be talking to

“I’ve sat at a lot of kitchen tables over the years. Nobody has ever told me they wished they’d rushed this decision.”
Tom HolowchukLicensed agent · NPN 20314205

Five questions. Then a real conversation.

Tell us a little about your situation and Tom will walk you through your options.

Start my free review

Or call 732-554-3021

Holowchuk Health Advisors is a licensed independent insurance brokerage. We are not affiliated with or endorsed by the federal government or the Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program to get information on all of your options.

© 2026 Holowchuk Health Advisors · Manahawkin, NJ · 732-554-3021