Clear answers,before you take the next step.

A Certified Health Care Advisor™ is a professional who has completed specialized healthcare-planning education, met the program's experience requirement, passed an assessment, and maintains active certification in good standing. They provide trained, personalized guidance to help people understand healthcare-planning choices.

This service is designed for people approaching Medicare or retirement, current retirees, and adult children or family members helping a loved one work through healthcare decisions.

Depending on their services and qualifications, advisors may help with Medicare enrollment or changes, moving away from employer coverage, prescription coverage, retirement healthcare costs, income-related Medicare premium adjustments often called IRMAA, and decisions made while helping a parent or loved one.

No. An advisor can explain options, tradeoffs, and planning considerations in plain language, but you remain in control of every healthcare and financial decision.

No. Certified Healthcare Advisors provide healthcare-planning guidance. They do not diagnose or treat medical conditions, and their guidance does not replace advice from a doctor, attorney, tax professional, or another appropriately licensed professional.

Yes. CHCA accepts match requests nationwide. Individual advisor availability and the services offered can vary by state.

The request asks for your name, contact details, state, preferred meeting format, and the type of help you need. These practical details help CHCA review your request and begin the introduction.

CHCA considers your state, meeting preference, and type of help, then identifies an available advisor whose CHCA certification is active and in good standing. The match is an introduction, not a decision that you must accept.

CHCA shares your request and contact details with the matched advisor, and that advisor contacts you directly. A specific response timeframe is not guaranteed. You can review more detail in the privacy notice.

Yes. You can request virtual, in-person, or either meeting format. This is a preference rather than a guarantee, because meeting options depend on the matched advisor's availability.

For matching, CHCA confirms only that the advisor's CHCA certification is active and in good standing. CHCA does not conduct a background check or independently verify every professional license.

Ask about professional licenses relevant to your situation, experience with needs like yours, the services being offered, and what the planning work will and will not include.

Depending on the advisor and service, compensation may include planning fees, commissions, or both. Planning fees vary by service, and any planning fee and other relevant compensation should be explained before you agree to work together.

No. Submitting a request starts an introduction. You can ask questions about the advisor's experience, approach, services, and compensation before deciding whether the relationship feels right.

Ask for the proposed scope of service, what is included, which licenses or qualifications apply, the planning fee, any commissions or other compensation, and what happens if your needs change. You should understand these details before agreeing to move forward.