Hi . First. let me say that I believe is correct. Second, every state has a State Health Insurance Assistance Program (SHIP) to help navigate Medicare. The idea is that because they are funded by grants through HHS, and not tied to any companies, ect..., they can provide unbiased assistance. This SHIP site explains more, with a link to locate your local SHIP: https://www.shiphelp.org/. I hope this information helps. Wishing you the best. Richard (RheumatoidArthritis.net Team)