⏳ Medicare Open Enrollment (Oct 15) starts in⏳ Open Enrollment in
--Days
:
--Hrs
:
--Min
:
--Sec
Book Before AEP →
Independent Medicare Broker · Licensed in NC

Medicare doesn't have to feel this complicated.

Zach Wilcox helps North Carolinians compare Medicare plans from multiple carriers and find the right coverage — at no additional cost to you.

Zach Wilcox, Licensed Medicare Broker
Zach Wilcox
Licensed Independent Medicare Broker · NC
✓ 10+ Years Experience ✓ No Cost to You ✓ Multiple Carriers
📅
Book a Free Appointment
Pick a time — takes 60 seconds
→
(910) 827-4887Prefer to call? Zach picks up.
🏆
No Added CostBrokers are paid by insurers
🔍
Multiple CarriersWe compare plans from multiple organizations
🤝
Local ExpertServing North Carolina
🔒
Licensed & CertifiedNC state licensed agent
10+
Years in insurance
2nd
Generation agent
100%
Independent — no carrier ties
$0
Cost to you, ever
NC
Licensed & local
What We Do

Coverage for every stage of your Medicare journey

Whether you're turning 65 or reviewing your current plan, Wilcox Financial Brokerage is in your corner.

🏥

Medicare Advantage Plans

All-in-one plans that bundle hospital, medical, and often drug coverage. We compare plans from multiple carriers to help find what fits your doctors and budget.

💊

Medicare Supplement (Medigap)

Fill the gaps in Original Medicare. We compare Plans G, N, and more so you're never surprised by out-of-pocket costs.

💉

Part D Drug Plans

Your prescriptions matter. We analyze your drug list against available plans to help find your lowest total cost. The 2026 $2,100 out-of-pocket cap is a game-changer.

📋

Annual Plan Reviews

Plans change every year. We review your coverage each fall during Open Enrollment (Oct. 15 – Dec. 7) and flag anything that could cost you more.

🎓

Enrollment Guidance

Confused about when to sign up? We walk you through enrollment windows and help you avoid costly late penalties.

Ongoing Support

Questions don't stop after enrollment. Zach is available by call or text for claims help, billing issues, or any Medicare questions down the road.

How It Works

Simple as a three-step conversation

1

We Talk

Share your doctors, prescriptions, and priorities. No paperwork, no pressure — just an honest conversation about your needs.

2

We Compare

Zach reviews plans from multiple organizations to find options that fit your health and budget — not just one carrier's lineup.

3

You're Covered

We enroll you, confirm everything, and remain available as your plan evolves. Annual reviews included.

What Clients Say

Real people, real results

★★★★★

"Zach made turning 65 so much less stressful. He explained everything in plain English and helped me find a plan that fit my budget much better than what I was originally looking at."

Linda M.Wilmington, NC
★★★★★

"I had no idea what Part A, B, C, or D even meant. Zach sat down with me and walked through everything. I felt informed for the first time. Highly recommend!"

Robert K.Jacksonville, NC
★★★★★

"Reviewed my plan during Open Enrollment and found a better fit for my prescriptions. Zach caught a change in my plan I never would have noticed myself. Worth every call."

Dorothy S.Fayetteville, NC
Beyond Medicare

Additional coverage options

Medicare covers a lot — but not everything. Zach also helps clients fill the remaining gaps with supplemental plans tailored to their lifestyle and budget.

🦷 Dental
👁️ Vision
👂 Hearing
🏥 Hospital Indemnity
❤️ Heart Attack
🎗️ Cancer
🧠 Stroke

Ready to find the right Medicare plan?

One free conversation with Zach can bring real clarity to your Medicare options. No pressure, no commitment.

(910) 827-4887

*Broker services are provided at no additional cost to you. Brokers are compensated by insurance carriers. Premiums are the same whether you enroll through a broker or on your own.

Zach Wilcox, Licensed Medicare Broker
About Your Broker

Hi, I'm Zach Wilcox.

Insurance isn't just my career — it's my family's legacy. I grew up watching my family help people navigate complex coverage decisions with honesty and care, and I've carried that same commitment into my own practice. With over a decade of experience in the insurance industry, I bring both deep knowledge and a genuine passion for getting people the right coverage.

I founded Wilcox Financial Brokerage to make Medicare simple. Not simplified to the point of being unhelpful — but truly clear, straightforward, and tailored to you. As an independent broker, I represent multiple carriers and compare your real options side by side. There's no pressure, no agenda, and no fine print hidden from you.

My clients trust me because I treat every conversation the way I'd treat one with my own family: with honesty, patience, and a commitment to getting it right. When you work with me, you get a licensed professional who picks up the phone, knows your situation, and stays in your corner long after enrollment day.

Call Zach Directly
My Commitment to You

What working with Zach actually looks like

🤝

I pick up the phone

When you call, you get Zach — not a voicemail system, not a call center, not an assistant. A real conversation with the person who knows your situation.

📅

I remember you next year

Every fall before Open Enrollment, Zach proactively reaches out to review your plan. You shouldn't have to remember to call — that's his job.

🔍

I show you all your options

As an independent broker, Zach has no incentive to push one carrier over another. Every recommendation is based on your doctors, your drugs, and your budget.

🎓

I explain everything

No alphabet soup. No fine print surprises. Zach explains your coverage in plain terms so you know exactly what you're getting — and what you're not.

Medicare Explained — 2026

Understanding Medicare in plain English

Don't let the alphabet soup intimidate you. Here's a clear breakdown of how Medicare works and what your options are for the 2026 plan year.

The Basics

The Four Parts of Medicare

Medicare Part A

Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no monthly premium for Part A if they've worked at least 40 quarters and paid Medicare taxes.

Medicare Part B

Medical Insurance

Covers doctor visits, outpatient care, preventive services, and durable medical equipment. The standard 2026 Part B premium is $202.90/month. Higher-income individuals may pay a higher premium based on their income. The 2026 annual deductible is $257.

Medicare Part C

Medicare Advantage

Plans from private insurers approved by Medicare that bundle Parts A and B (usually Part D too). Extra benefits vary by plan and location. Not all plans are available in all areas — contact Zach to compare what's available in your county.

Medicare Part D

Prescription Drugs

Standalone drug coverage added to Original Medicare. A major 2026 change: out-of-pocket costs for covered Part D drugs are now capped at $2,100/year. Each plan has its own formulary. Costs and coverage vary by plan and your specific medications.

Common Questions

Frequently Asked Questions

When can I enroll in Medicare? ▼
Your Initial Enrollment Period (IEP) is a 7-month window starting 3 months before your 65th birthday month, including that month, and ending 3 months after. Missing this window without a qualifying Special Enrollment Period (SEP) may result in permanent late penalties. Contact Zach or NC SHIIP at (855) 408-1212 for guidance specific to your situation.
What's the difference between Medicare Advantage and Medigap? ▼
Medicare Advantage (Part C) replaces Original Medicare with a private plan, often with lower premiums but network restrictions. Medigap (Medicare Supplement) works alongside Original Medicare to cover gaps like copays and deductibles, typically offering broader provider access at a higher premium. The best choice depends on your health needs, budget, and doctors. Zach can walk you through both with no obligation.
What is the new $2,000 Part D cap in 2026? ▼
Starting January 1, 2026, out-of-pocket spending on covered Part D prescription drugs is capped at $2,100 per year. This is one of the biggest Medicare improvements in years, particularly for people on expensive medications. How this applies depends on your specific drugs and chosen plan. Zach can help you select the plan that maximizes this benefit for your medication list.
How much does it cost to use a Medicare broker? ▼
There is no additional cost to you. Independent brokers like Zach are compensated directly by insurance carriers when you enroll in a plan. Your premiums are identical whether you enroll through a broker or on your own. Working with an independent broker who compares multiple carriers means you get expert guidance at no extra charge.
When is Open Enrollment for 2026 plan changes? ▼
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. During AEP you can switch, drop, or join Medicare Advantage or Part D plans. Changes take effect January 1. There is also a Medicare Advantage Open Enrollment Period (MA OEP) January 1 – March 31, during which you can make one plan change. Outside these windows, changes typically require a qualifying Special Enrollment Period.
Do I need Part D if I don't take prescriptions? ▼
Even if healthy, enrolling in a low-cost Part D plan can protect you from a late enrollment penalty. If you go 63 or more consecutive days without qualifying drug coverage after becoming eligible, you may pay a penalty added to your premium for as long as you're on Medicare. A broker can help you evaluate this decision based on your specific situation.
Can I keep my current doctors? ▼
It depends on the plan type. Original Medicare with a Medigap plan offers the broadest access — nearly any provider nationwide who accepts Medicare. Medicare Advantage plans (HMO or PPO) have networks that may limit your choices. Zach always checks that your preferred providers are in-network before recommending any plan.

📌 Official Medicare Resources

  • 🌎 Medicare.gov — Official U.S. government Medicare website & Plan Finder
  • 1-800-MEDICARE (1-800-633-4227) — 24/7 official Medicare helpline, TTY: 1-877-486-2048
  • 🏠 NC SHIIP (NC State Health Insurance Assistance Program) — Free, unbiased Medicare counseling: ncshiip.com or (855) 408-1212
  • 📋 Social Security Administration (SSA.gov) — Enrollment coordination & Medicare Part B sign-up

Still have questions? Talk to Zach.

No question is too simple. Call or message any time — no commitment required.

(910) 827-4887
Insights & Updates

The Medicare Corner

Plain-English guides to help you make smarter Medicare decisions in 2026.

💊
Part D · 2026 Update · 5 min read

The $2,100 Part D Cap: What It Means for Your Drug Costs in 2026

A landmark Medicare change took effect this year. Here's how the new out-of-pocket cap works and how to make sure your plan takes advantage of it.

Read more →
💰
Costs · 2026 Update · 6 min read

2026 Medicare Costs: Part B Premium, Deductibles & What's Changed

The standard Part B premium is $202.90/month in 2026. Here's the full breakdown of 2026 costs and how to budget for them.

Read more →
📅
Enrollment · 5 min read

The 7 Medicare Enrollment Deadlines You Cannot Afford to Miss

Missing an enrollment window can mean lifetime penalties. Here's every key date and what happens if you miss them.

Read more →
🏥
Plans · 7 min read

Medicare Advantage vs. Medigap: How to Choose the Right One for You

These two approaches to Medicare coverage have very different trade-offs. Here's the honest breakdown for 2026.

Read more →
📋
Open Enrollment · 5 min read

5 Reasons to Review Your Medicare Plan Every Year During Open Enrollment

Your health changes. Your drugs change. And your plan changes. Here's why an annual review (Oct. 15–Dec. 7) is always worth doing.

Read more →
🚨
Scams · 4 min read

Medicare Scams Are Rising in 2026: How to Protect Yourself

Fraudsters target Medicare beneficiaries year-round. Learn the red flags CMS warns about and how to report suspected fraud.

Read more →
🦷
Ancillary · 5 min read

What Medicare Doesn't Cover — And How to Fill the Gaps

Medicare is excellent coverage — but it doesn't pay for routine dental, vision, or hearing care. Here's what most retirees are missing and the affordable options available to them.

Read more →
❤️
Ancillary · 6 min read

Heart Attack, Cancer & Stroke: Why a Lump-Sum Policy Could Save Your Retirement

A single critical illness can drain years of savings in weeks. Learn how these policies work alongside Medicare to protect your financial security.

Read more →

Have questions about your Medicare options?

Get in Touch

Let's talk Medicare.

Fill out the form and Zach will reach out within one business day. Prefer to call? Dial directly — he picks up. Our services are at no additional cost to you.

Phone / Text(910) 827-4887
👤
Your BrokerZach Wilcox
📍
Service AreaNorth Carolina
🕐
AvailabilityMon–Fri, 8am–6pm ET
Note: We do not offer every plan available in your area. We currently represent multiple organizations which offer products in your area. You may also contact Medicare.gov, 1-800-MEDICARE, or NC SHIIP at (855) 408-1212 to get information on all of your options.

Send Zach a Message

By submitting this form, you agree to be contacted by Wilcox Financial Brokerage via phone, text, or email to discuss Medicare plan options. You may opt out at any time. Message and data rates may apply. Providing your information does not obligate you to enroll in any plan. We do not sell your personal information.
✅

Message Received!

Thanks for reaching out. Zach will get back to you within one business day. In the meantime, call or text at (910) 827-4887.

Referral Partners

Let's grow together.

Wilcox Financial Brokerage partners with local professionals who share our commitment to serving North Carolina's senior community. If your clients are approaching Medicare, we'd love to be a trusted resource you can confidently refer them to.

Who We Work With

Ideal referral partners

We work best with professionals whose clients are approaching or already on Medicare.

🏥

Physicians & Medical Offices

Help your patients find plans that keep them in your practice's network.

📈

Financial Advisors

Medicare costs affect retirement plans. We make sure your clients' healthcare is covered so you can focus on their financial future.

🏠

Real Estate Agents

Clients relocating to NC often need to review or establish new Medicare coverage. We make that transition seamless.

💼

HR & Benefits Professionals

Help employees transitioning off employer coverage navigate Medicare enrollment with confidence and no penalties.

👥

Senior Living Communities

Be a resource your residents trust. We offer educational events and one-on-one consultations for senior communities.

⚖️

Attorneys & Estate Planners

Medicare fits naturally alongside estate planning conversations. We complement your work with healthcare coverage guidance.

Why Partner With Zach

What your clients get — and what you get

✅

A Trusted, Local Expert

Zach is a licensed NC broker with 10+ years of experience and a second-generation background in insurance. Your referrals are in capable hands.

✅

No Cost to Your Clients

Zach's services are provided at no additional cost to beneficiaries. Referring a client to Zach adds real value without any financial burden.

✅

White-Glove Service

Every referred client gets Zach's personal attention — no call centers, no handoffs. The same care you'd give your own clients.

✅

Educational Events Available

Zach can host Medicare educational seminars for your clients, patients, or employees — a valuable benefit that positions your business as a community resource.

✅

Ongoing Communication

We keep you informed. When you refer a client, we follow up and ensure they're taken care of — so your referral reflects well on you.

✅

Reciprocal Relationship

Zach values long-term professional partnerships. When the opportunity arises, he refers his clients to trusted local professionals in return.

Get Started

Let's connect

Fill out the form below and Zach will reach out to discuss how we can work together.

Partner Inquiry

Tell us a bit about yourself and how you'd like to collaborate.

By submitting this form, you agree to be contacted by Wilcox Financial Brokerage to discuss a referral partnership. We do not sell your information.

Prefer to just call?

Zach is happy to connect directly to discuss how we can serve your clients together.

(910) 827-4887
Turning 65 Guide
⏰ Your Medicare window opens 3 months before your birthday

Turning 65? Here's exactly what to do — and when.

Medicare enrollment has strict deadlines. Missing them can mean permanent penalties you'll pay for life. This guide walks you through every step so you don't miss a thing.

Call Zach Now
Your Medicare Timeline

What to do — and when

Think of this as your personal Medicare roadmap, starting 6 months before your 65th birthday.

6 mo
Action

Start researching your Medicare options

This is the best time to speak with an independent broker like Zach. You'll learn what Original Medicare covers, whether Medicare Advantage or Medigap fits better, and how your current doctors and prescriptions affect your choice.

3 mo
Deadline

Your Initial Enrollment Period (IEP) begins

Your 7-month enrollment window opens 3 months before your birthday month. This is when you can sign up for Medicare Part A and Part B. Don't wait — enrolling early means coverage starts on your birthday month.

65
Birthday Month

Your Medicare coverage can begin

If you enrolled during the first 3 months of your IEP, coverage starts the 1st of your birthday month. You should receive your red, white, and blue Medicare card in the mail. Keep it safe — you'll need it.

+3 mo
Hard Deadline

Your IEP enrollment window closes

3 months after your birthday month, your Initial Enrollment Period ends. If you miss it without a qualifying Special Enrollment Period (SEP), you may face permanent late enrollment penalties on both Part B and Part D.

Oct
Annual Opportunity

Annual Enrollment Period opens (Oct. 15 – Dec. 7)

Every year during AEP, you can review and switch your Medicare Advantage or Part D plan. Plans change every year — and so do your needs. Zach will contact you before every AEP to make sure you're still in the best plan.

Common Mistakes

The 4 mistakes people turning 65 make most

These errors are expensive and often permanent. Knowing them in advance is half the battle.

🚫 Missing the enrollment window

Your 7-month Initial Enrollment Period doesn't reset. Miss it without a qualifying SEP and you could pay a late penalty on your Part B premium for the rest of your life on Medicare.

🚫 Skipping Part D "because I'm healthy"

If you go 63+ consecutive days without creditable drug coverage, you'll owe a permanent Part D late penalty when you eventually need prescriptions. A low-cost plan protects you now.

🚫 Enrolling in the wrong plan type

Choosing Medicare Advantage when your doctors aren't in-network — or choosing a Medigap plan with the wrong coverage level — can mean unexpected bills or loss of access to your care team.

🚫 Relying on one carrier's advice

Calling a single insurance company only shows you their plans. An independent broker like Zach compares multiple carriers side by side so you see all your real options.

Your Free Checklist

Turning 65 Medicare Checklist

Use this as your step-by-step guide — or book a free appointment and Zach will walk through every item with you.

✅ Your 2026 Medicare Checklist

Check these off in the months leading up to your 65th birthday.

  • ☐ Note the date your Initial Enrollment Period (IEP) opens — 3 months before your birthday month
  • ☐ Make a list of your current doctors, specialists, and preferred hospitals
  • ☐ Write down every prescription you take (drug name, dosage, frequency)
  • ☐ Confirm whether you have any other creditable coverage (employer, VA, TRICARE)
  • ☐ Decide between Original Medicare + Medigap vs. Medicare Advantage
  • ☐ Compare Part D drug plans using your medication list
  • ☐ Verify your preferred doctors are in-network for any Advantage plan you consider
  • ☐ Sign up for Part A and Part B through Social Security (SSA.gov or 1-800-772-1213)
  • ☐ Enroll in your chosen supplement or Advantage plan before coverage gaps occur
  • ☐ Save your red, white, and blue Medicare card when it arrives in the mail
Free Appointment

Book a Free Medicare Consultation

Pick a time that works for you. No pressure, no cost — just an honest conversation about your Medicare options with Zach.

Schedule Online

Choose a time that works for you

Appointments are available by phone or video. After booking, Zach will confirm and send you a few simple questions to make the most of your time together.

⏱️
About 20 minutes

No long commitments — just a focused, friendly conversation.

📋
Nothing to prepare

Just bring your list of doctors and any prescriptions you take.

💬
No pressure, ever

There's no obligation to enroll. Zach's job is to inform, not push.

💰
Completely free

Zach is paid by insurance carriers — never by you.

Prefer to call or text instead? Reach Zach directly at (910) 827-4887 — Mon–Fri, 8am–6pm ET.

Our services are provided at no additional cost to you. We represent multiple organizations and do not offer every plan available in your area.