How an advisor helps
A Certified Health Care Advisor™ helps you make sense of Medicare, coverage, benefits, and costs—then connects those choices to your retirement and family circumstances.
A thoughtful first conversation
You do not need to arrive with all the answers.Start with what is changing and the questions on your mind.What the designation means
Healthcare planning is rarely one decision. A trained advisor helps you understand how timing, coverage, costs, prescriptions, and retirement transitions connect.
The advisor’s role
A Certified Health Care Advisor™ provides education and planning guidance. They do not diagnose conditions or recommend medical treatment.
Your advisor explains coverage, costs, timing, and tradeoffs in plain language.
The conversation reflects where you live, what is changing, and what matters most to you.
You leave with clearer priorities, the information still needed, and a path forward.
CHCA professionals complete specialized education, meet the program’s experience requirement, pass an assessment, and maintain active certification in good standing.
Decisions an advisor can help with
You do not need to know the right terminology. Begin with the transition, cost concern, or coverage question you are trying to understand.
Medicare
Understand timing, coverage considerations, and the questions to ask before you choose.
Retirement
Connect healthcare costs and coverage transitions to your broader retirement picture.
Costs
Prepare for premiums, out-of-pocket expenses, and income-related Medicare premium adjustments.
Coverage
Organize the move from workplace benefits to your next source of healthcare coverage.
Prescriptions
Consider how your medications and covered-drug lists may affect planning choices.
Family
Bring structure to information-gathering and decisions you may be making together.
What working together looks like
The initial conversation helps the advisor understand your needs. The service scope and planning fee are disclosed before you agree to planning work.
See how matching worksTalk through your situation, questions, current coverage, and the transition in front of you.
Your advisor identifies priorities, timing, information gaps, and the choices that require attention.
Before planning work begins, your advisor explains the service, planning fee, and what you can expect.
You decide whether the advisor’s approach is right for you and whether you want to continue.
Clear guidance, clear boundaries
A transparent relationship starts with understanding the advisor’s role, the service being offered, and how the advisor is compensated.
Your advisor can
Important to know
Planning fees vary by service and are disclosed before you agree to work together. Your advisor should also explain any other compensation relevant to the services discussed.
Your next step
Tell us what kind of help you need. We’ll match you with an advisor who holds active CHCA certification and is in good standing.
