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. My guidance is always 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 →Quick answers
Medicare basics, in plain English
What does Medicare cover?
Medicare covers hospital stays (Part A), doctor visits and outpatient care (Part B), prescription drugs (Part D), and optionally bundles everything into a Medicare Advantage plan (Part C). It does not cover most dental, vision, hearing, or long-term care without supplemental coverage.
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.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes dental, vision, and drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover its gaps like copays and deductibles. The right choice depends on your doctors, prescriptions, and how often you travel.
How much does Medicare cost?
The standard Part B premium in 2026 is $185/month. Many Medicare Advantage plans have $0 additional premium. Costs vary by plan, income, and location — a free review with PSG will show you exactly what you would pay.
Do I pay for your services?
No. Insurance companies pay our fee when you enroll through us. Your guidance, plan comparison, and ongoing support are always completely free to you.
What we offer
Coverage for every stage of life
From your first Medicare decision to retirement income planning — we handle it all as your single point of contact.
Medicare Options
Compare Medicare Advantage plans available in your county — premiums, star ratings, drug coverage, and dental benefits side by side.
Learn more →Coverage Overview
Medigap Plans G and N fill Original Medicare's gaps — no networks, no referrals, freedom to see any Medicare-accepting doctor in the country.
Learn more →Part D Drug Plans
Find the lowest-cost prescription drug plan for your specific medications. The 2026 $2,100 out-of-pocket cap is the biggest change in Part D history.
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 does not cover long term care. Traditional and hybrid LTC policies protect your savings and give your family options when extended care is needed.
Learn more →Annuities
Fixed and indexed annuities for guaranteed retirement income. We'll show you how an annuity fits — or doesn't fit — your full retirement picture.
Learn more →Final Expense
Simplified-issue whole life plans designed to cover funeral and end-of-life costs without a medical exam — available up to age 85.
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 →
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 work with the carriers that have the best plans for your situation — whether that's a Medicare Advantage plan that fits your budget or a Medigap policy that lets you see any doctor who accepts Medicare.
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 the new 2026 Part D $2,100 out-of-pocket cap changes drug costs
- 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 — And Why Medicare Won't Cover Your Care
Medicare doesn't cover custodial care. Here's what does — and what it costs without coverage.
Read article →Client stories
Hear it from our clients
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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.
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.