About Ben Morton

Background & Experience

For twelve years, I worked as a benefits consultant helping small and mid-sized business owners choose and manage employee health insurance plans. That job taught me one thing above everything else: health insurance is genuinely confusing, and most of the people selling it are not motivated to explain it clearly.

I reviewed hundreds of plan comparisons, sat through more carrier presentations than I can count, and spent a lot of time translating insurance language into English for people who just wanted to know what they were actually getting. When I retired and started helping my own parents navigate Medicare, I was surprised at how much harder it was than anything I'd done professionally. The information was scattered, contradictory, and usually attached to someone trying to sell something.

That's what this site is about.

Why I Built Senior Coverage Guides

My father enrolled in Medicare in 2019. I helped him through it, and we made some mistakes -- not because the information wasn't available, but because every source we found either assumed we already knew the terminology or was written by an insurer with a product to sell. We ended up with a Medicare Advantage plan that looked great until he needed to see a specialist outside the network. That experience cost him real money and real frustration.

A few years later I helped my mother enroll. This time I knew what I was doing, and the process was completely different. She ended up on Original Medicare with a Plan G supplement, keeps her doctor of 15 years, and has not had a single billing surprise in three years of retirement.

The difference between those two outcomes was information. Specifically, the kind of clear, honest, comparative information that tells you what the actual trade-offs are -- not the marketing version, not the government jargon version, but the explanation you'd get from a friend who happened to know the subject well.

That's what I've tried to build here. Every article on this site is written the way I'd explain it to someone sitting across from me who needed to make a real decision.

How I Research and Write

Every article starts with primary sources: Medicare.gov, CMS, the Social Security Administration, and the Kaiser Family Foundation for independent analysis. I do not rely on insurer-produced content for factual information, because insurers have an obvious interest in how certain things are framed.

I update articles annually when Medicare premiums, deductibles, and rules change -- typically in October and November when CMS releases the following year's figures. For breaking news like the 2026 GLP-1 drug coverage changes or the Medicaid work requirements, I publish as soon as I can verify the information from official sources.

Each article includes a sources section at the bottom linking to the primary sources I used. If something is my opinion or interpretation, I say so.

What I Am Not

I am not a licensed insurance agent. I cannot recommend specific plans or tell you which plan to buy. What I can do is explain how different types of coverage work, what questions to ask, and what the real trade-offs are -- so that when you do talk to a counselor or agent, you know enough to make your own informed decision.

For personalized, one-on-one guidance, I always recommend your state's free SHIP (State Health Insurance Assistance Program) counselors. They are trained, unbiased, and do not work on commission. They are genuinely the best resource available for your specific situation.

Editorial Standards

Every article on this site goes through a consistent research and review process before publication. You can read more about how content is created, fact-checked, and maintained on our Editorial Policy page.

-- Ben Morton
Founder, Senior Coverage Guides