Independent Medicare Advisor · Licensed in 22 States
Medicare is a permanent decision.
Let’s make sure you get it right.
I’m Cindy Kowalski. I compare every plan available to you — Supplement, Advantage, and Part D — from every major carrier, at no cost to you. No pressure. No pitch from one company. Just an honest recommendation based on your doctors, your prescriptions, and your life.
Or call Cindy directly: (352) 464-4400
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare and lets you see any doctor nationwide who accepts Medicare, with predictable out-of-pocket costs. Medicare Advantage replaces Original Medicare through a private insurer’s network — often with lower premiums and bundled dental and vision, but with copays, prior authorizations, and network restrictions that most people don’t discover until they need care.
- This choice affects your freedom to see doctors — and how hard it is to change your mind later
- Switching from Advantage back to a Supplement after a diagnosis can be declined in most states
- Most agents only show you one type of plan — because that’s all they’re contracted to sell
- Cindy shows you both, explains the tradeoffs, and tells you what she would choose in your situation
That’s what Cindy helps you figure out — for free.
“Cindy was extremely helpful in helping me navigate the confusing business of Medicare and all the choices. She spent an enormous amount of time educating me on the different options that fit my particular needs. I would recommend her highly.”
The three Medicare mistakes I hear every week
Each one is preventable. Each one is very hard to undo once the enrollment window closes.
“I chose a $0 plan and didn’t realize I’d need approval before every test and procedure.”
Medicare Advantage plans use prior authorization — the insurance company decides whether to approve your doctor’s recommendation. Many people don’t discover this until they’re denied. I hear this every single week.
“I didn’t know I could be declined for a Supplement later if my health changed.”
After your initial enrollment window, insurers can use your health history to deny you a Supplement plan — or charge you significantly more. Your health at 65 is often better than at 70. This is the most costly mistake I see.
“Nobody explained the difference between Advantage and Supplement — they just enrolled me.”
Most agents only sell one type of plan. An independent advisor shows you both — honestly — and explains the long-term tradeoffs before you sign anything.
Don’t learn this the hard way.
Schedule a Free Review
I built Eligry because I almost made the wrong Medicare choice myself.
When I was approaching 65, I was healthy, confident, and ready to pick what seemed like the obvious choice. Then my sister asked me one question — and I realized I had been looking at entirely the wrong things.
After 23 years as a Sales Director at AT&T and 16 years running my own IT consulting firm, I spent over a year studying Medicare inside and out. I got licensed, got certified, and built Eligry around a single commitment:
“To give every person the complete, honest picture I almost didn’t get — before they make a decision that may be very hard to reverse.”
I split my time between Sarasota, Florida and Highland, Indiana — so I know firsthand what it means to manage Medicare across state lines. I don’t work for Humana, UnitedHealthcare, or Aetna. I’m appointed with all of them — and I work for you.
What happens on your free 30-minute call
No forms to fill out before the call. No obligation afterward. Just a conversation.
We talk about you
Your doctors, prescriptions, budget, travel habits, and what matters most. Cindy asks the questions most agents skip.
We compare every option
Every plan available to you — side by side, in plain language, with real numbers. Not a pitch from one carrier.
You decide — on your time
No pressure. You take the information, think it over, and decide when you’re ready. Cindy follows up, not a call center.
We handle enrollment
When you’re ready, Cindy walks through every detail. Nothing falls through the cracks.
What people ask before their first call
No question is too basic. If you don’t see yours here, call Cindy directly.
Schedule a Call (352) 464-4400Let’s make sure you get the benefits you worked for.
A 30-minute call with Cindy could save you thousands — and costs you nothing. Most mistakes happen because people wait too long to ask questions.
Enrollment windows close. The time to ask is now.
Or call Cindy directly: (352) 464-4400
Eligry LLC · Cindy Kowalski · Licensed Independent Medicare Advisor · NPN 21601670
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. © 2026 Eligry LLC.
Licensed in 22 States
Consultations by phone or video in all licensed states. ★ = primary focus states.
NPN 21601690 · Eligry LLC · cindy@eligry.com · (352) 464-4400