SHINE is absolutely the best for providing advice of this sort. The volunteers are well trained...amazingly so! They do not sell or endorse any carrier. All they do is provide unbiased information. They helped me immensely when I was about to select a Medicare Gap policy and answered all my Medicare questions. I saved a boatload of money and I have great coverage with my original Medicare and a Plan F Medigap policy (F is no longer available for new applicants but G is almost as good).
Good luck. These decisions that you are about to make are very important! Shine is the way to go and they have free, on obligation clinics periodically in The Villages.
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