Medicare & Insurance Guidance You Can Trust
Where You Matter
Hi, I'm Kayla Price — a licensed independent insurance and Medicare agent based in Wilmington, NC. I help individuals and families in 10 states find the right Medicare, life, and retirement coverage. Consultations are currently free.
Toll-free: (866) 648-1578 | Licensed in NC · SC · GA · FL · VA · MD · KS · TX · OH · MI | NPN 18530055
Medicare Advantage
Compare plans in your area
Free Consultation
No cost, no pressure
AEP 2026
Oct 15 – Dec 7, 2026
Free Medicare Education
Learn everything about Medicare at your own pace — free guides, plain-English explanations, and tools to help you make the right choice.
Visit LearnMedicare.org →Free Medicare Guide and Local Plan Finder
T65 Medicare Guide
New to Medicare? Our free 2026 guide walks you through enrollment deadlines, plan types, and the most common mistakes to avoid before you turn 65.
Download Your Free Medicare Guide →Local Plan Finder
Find local Medicare guidance by ZIP code. For a personal comparison of plans we represent, a licensed agent can review your providers, prescriptions, and priorities with you.
Explore Local Medicare Guidance →Quick answers
Medicare basics, in plain English
What does Medicare cover?
Original Medicare includes hospital insurance (Part A) and medical insurance (Part B). Part D helps cover prescription drugs. Medicare Advantage (Part C) is a private-plan alternative that includes Part A, Part B, and usually Part D. Extra benefits, provider networks, and costs vary by plan.
Learn more about what does medicare cover · Medicare.gov source
When can I enroll in Medicare?
Most people enroll during their Initial Enrollment Period — the 7-month window starting 3 months before their 65th birthday. Missing this window can result in permanent late-enrollment penalties. Special Enrollment Periods apply if you have qualifying employer coverage.
Learn more about when can i enroll in medicare · Medicare.gov source
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage is another way to receive Medicare benefits through a private plan, usually with a provider network. Medicare Supplement (Medigap) helps pay your share of costs in Original Medicare; prescription drug coverage is separate. Compare your doctors, prescriptions, travel needs, and total costs before choosing.
Learn more about what is the difference between medicare advantage and medicare supplement · Medicare.gov source
How much does Medicare cost?
The standard Part B premium in 2026 is $202.90 per month; income-related adjustments and penalties can increase it. Medicare Advantage premiums and out-of-pocket costs vary by plan, and you generally continue paying Part B. Compare premiums, deductibles, copays, and drug costs, not just the advertised plan premium.
Learn more about how much does medicare cost · Medicare.gov source
Do I pay for your services?
Consultations are currently free. As an independent agent, Kayla is typically compensated by insurance carriers when you enroll. Fees are not charged for consultations at this time, though this may change.
What's Your Medicare Decision Style?
Take our free 2-minute quiz to find out how you make Medicare decisions — and get a personalized guide.
Take the Free Quiz →What we offer
Coverage for every stage of life
Guidance for Medicare, life insurance, and retirement coverage, with options from the carriers we represent.
Medicare Options
Discuss Medicare Advantage options we represent in your county with a licensed agent; compare premiums, provider networks, prescriptions, and extra benefits based on your needs.
Learn more →Coverage Overview
With Original Medicare, you can generally see providers nationwide who accept Medicare. Medigap Plans G and N help pay certain out-of-pocket costs; benefits and cost-sharing differ, and prescription drug coverage is separate.
Learn more →Part D Drug Plans
Review Part D plan options from the carriers we represent with your medication list. Availability and total costs vary by plan and ZIP code. The defined-standard deductible and out-of-pocket threshold are $615/$2,100 for 2026 and $700/$2,400 for 2027; actual plan costs may differ. The threshold excludes premiums and noncovered drugs.
Learn more →Life Insurance
Term life, whole life, and final expense coverage — with honest guidance on what actually protects your family and what your premium buys.
Learn more →Long Term Care
Medicare generally does not cover ongoing custodial long-term care. Traditional and hybrid policies may help pay eligible care costs; benefits, eligibility, and limits depend on the policy.
Learn more →Annuities
Fixed and indexed annuities may offer contract-based income features. Guarantees depend on the insurer and contract terms; we'll explain how an annuity fits — or doesn't fit — your full retirement picture.
Learn more →Final Expense
Some simplified-issue whole life plans may help cover final expenses. Health questions, exams, eligibility, and age limits vary by carrier and policy.
Learn more →Health Insurance / ACA
ACA Marketplace and off-marketplace health plans for individuals and families. We'll identify whether you qualify for premium tax credits and find the right plan.
Learn more →Ancillary & Supplemental
Dental, vision, hearing, hospital indemnity, and cancer and critical illness coverage — layering on top of your primary plan to fill the gaps.
Learn more →Coverage Options
Not sure where to start? Compare Medicare, ACA, and supplemental coverage side by side to see what actually fits your situation.
Learn more →Already have Medicare coverage? See our AEP 2026 review guide for how to check your plan before December 7.
Your local agent
Meet Kayla Price
I founded Price Services Group because I believe everyone deserves clear, honest guidance when navigating insurance — without the pressure that too often comes with it. As a mother, a neighbor, and a small business owner in eastern North Carolina, I know firsthand how confusing this world can be.
I'm an independent agent, which means I'm not tied to any single insurance company. I compare plans from multiple carriers to find the options that fit your situation — whether that's a Medicare Advantage plan that fits your budget or Original Medicare with a Medigap policy to help pay certain out-of-pocket costs. Provider access generally follows Original Medicare; benefits and cost-sharing vary by Medigap plan, and prescription drug coverage is separate. (We don't offer every plan available in your area.)
Why it matters
Medicare explained in plain English
The rules around Medicare enrollment, plan types, and costs are genuinely complicated. Here's a quick overview — or call me and I'll walk you through your specific situation.
- When to enroll and how to avoid lifetime late-enrollment penalties
- Medicare Advantage vs. Medigap — which path fits your health and budget
- How Part D costs change by year: $2,100 threshold in 2026 and $2,400 in 2027
- Special Needs Plans (SNPs) for dual-eligible and chronic-condition beneficiaries
- How to compare life insurance and annuity options for retirement income
- Free Plan Finder tool at local.priceservicesgroup.com for eastern NC beneficiaries
Free Medicare education
Not sure where to start with Medicare?
Before you make any enrollment decisions, understanding the basics makes a real difference. LearnMedicare.org offers free online Medicare classes in plain, easy-to-follow language.
What is Medicare?
Parts A, B, C, and D explained — what each covers, what it costs, and how they work together.
When to enroll
Enrollment windows, late penalties, and how to avoid costly mistakes that follow you for life.
Comparing your options
Medicare Advantage vs. Original Medicare + Supplement — side by side, in plain English.
Resources
From the blog
Plain-English guides on Medicare, life insurance, retirement income, and more — no jargon, no pressure.
ACA Marketplace Plans, Subsidies & How to Enroll
How metal tiers, premium tax credits, and enrollment windows work — in plain English.
Read article →What Is a Fixed Annuity? Guaranteed Income Explained
How MYGAs and FIAs work, the 0% floor, tax deferral, and who benefits from an annuity.
Read article →What Is Long-Term-Care Insurance? Medicare Coverage and Policy Basics
Medicare may cover limited skilled nursing care when requirements are met, but generally does not cover ongoing custodial care. Learn how policies may help, subject to eligibility and contract terms.
Read article →Have questions?
Common questions, answered
What services does Price Services Group offer?
Price Services Group offers Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug plans, life insurance (term, whole life, and final expense), and annuities. Kayla Price is a licensed independent agent, meaning she works with multiple carriers to find the right fit — not one company's products. For dedicated retirement income and annuity planning, see our retirement planning partner, Prosperity Services Group.
Is a consultation with Kayla Price free?
Consultations are currently free. As an independent agent, Kayla is typically compensated by insurance carriers when you enroll. Fees are not charged for consultations at this time, though this may change.
What states is Price Services Group licensed in?
Price Services Group is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH, and MI. Most clients are in eastern North Carolina, but Kayla can help anyone in those 10 states.
When should I contact Price Services Group about Medicare?
Contact us 3–4 months before you turn 65 to prepare for your Initial Enrollment Period. If you're already on Medicare, reach out before the Annual Enrollment Period (October 15 – December 7) to review whether your current plan still makes sense.