Free, unbiased Medicare help — from someone who sells no plans.
Most "free" Medicare help is a broker who gets paid when your parent enrolls. MediNav earns no commission and recommends no plan. Our only job is helping your parent claim what they're owed.
When advice is paid by the sale, it bends toward the sale.
A licensed Medicare broker or advisor is usually paid a commission by an insurer each time they enroll someone in a plan. That's legal and common — but it means their guidance has a built-in incentive, and the "free" help isn't really neutral. Well-funded players like Chapter and Connie Health run on that commission model. MediNav is built the opposite way.
MediNav vs. a commissioned Medicare advisor.
| MediNav | Typical commissioned broker/advisor | |
|---|---|---|
| Earns a commission? | No — earns nothing from your decision | Yes — paid by insurers per enrollment |
| Sells or recommends plans? | No — recommends no plan of any kind | Yes — steering to a plan is the business |
| Whose interest it serves | Your parent's — full stop | Balances your interest with the commission |
| What it focuses on | Cost-help, eligibility, and navigation | Plan selection and enrollment |
| What it costs you | Free to check; optional $9/mo to keep watch | "Free" — because the insurer pays them |
| Sells your information? | Never | Often generates broker leads |
What we do — and what we'll never do.
What MediNav does
- Finds the cost-help programs your parent qualifies for
- Checks eligibility against current 2026 rules for your state
- Explains Medicare and Medicaid in plain language
- Points you to the right local office and phone number
- Keeps watch as limits change, if you want it
What MediNav will never do
- Sell, rank, or recommend any Medicare or Advantage plan
- Earn a commission from an insurer
- Enroll your parent in anything
- Sell or share your information
- Pressure you toward a decision
Straight answers.
If you don't earn commission, how do you make money?
The check is free. MediNav offers an optional subscription ($9/mo) for families who want it to keep re-checking eligibility as limits change each year and flag deadlines. We never take a cent from an insurer, so nothing about our guidance depends on what your parent chooses.
Do I still need a broker to pick a plan?
Maybe — and that's fine. If your parent wants help choosing a specific plan, a licensed agent or a free SHIP counselor can do that. MediNav handles the part that comes first and often gets skipped: making sure your parent claims every benefit and dollar they qualify for, with no sales pressure.
How is this different from Chapter or Connie Health?
Both are built around plan enrollment and are funded by commissions — Connie Health operates a licensed insurance agency. That's a legitimate model, but it's a different one. MediNav sells no plan and earns no commission, so there's no enrollment we're quietly steering you toward.
Are you the government?
No. MediNav is an independent tool for family caregivers. We translate the government's own programs into plain language — we're not affiliated with Medicare or any agency.
Get the neutral answer first.
See what your parent qualifies for — free, private, and with nothing to sell.
MediNav is an independent navigation tool for family caregivers. We are not the government, not an insurer, and not a substitute for legal or medical advice. We sell and recommend no Medicare, Medicaid, or Medicare Advantage plan and earn no commission. Comparisons describe common industry models and are provided for general information.