Medicare guidance that starts with you.
We listen. We explain. We help you understand your options so you can make informed decisions about your coverage.
NO COST MEDICARE COVERAGE REVIEWS · NO OBLIGATION
Real people. Real conversations.
You don't need to know all the Medicare terminology before you call. Tell us what's going on, what matters to you, and what questions you have.
No pressure. No judgment. Just guidance.
Your Medicare coverage can change from year to year.
We'll help you review your 2027 options, understand what's changing, and talk through your questions — without the pressure.
What brought you here?
You don't have to figure out Medicare before talking with us. That's what we're here for.
I'm New to Medicare
Turning 65 or becoming eligible can bring a lot of mail, commercials, calls and opinions. We'll help you understand where to start.
Help me get started →I Already Have Medicare
Doctors, prescriptions, plans and personal needs can change. We can help you review your current situation and available options.
Let's talk about my coverage →I Just Have Questions
You don't have to be ready to change anything. Sometimes you simply need someone willing to explain what something means.
Ask my question →Meet Michelle — The Heart Behind Count On Us Advisors
Hi, I'm Michelle, the owner of Count On Us Advisors, an independent Medicare insurance agency operating out of Weeki Wachee, Florida.
My journey in the insurance industry began in early 2020, and Medicare is where it all started. Over the years, I've also worked with Affordable Care Act (ACA) health insurance and held management positions, gaining valuable experience helping people navigate their healthcare coverage.
But Medicare has always held a special place in my heart, and returning to it has allowed me to focus on what I love most: helping people understand their options and feel confident in their decisions.
As the wife of a U.S. Army veteran, I also understand how important it is for individuals and families to have someone they can trust when navigating healthcare decisions. Supporting veterans and their families is especially close to my heart.
My passion is making Medicare easier to understand, without pressure, confusion, or complicated explanations.
Whether you're approaching Medicare eligibility, reviewing your current coverage, or exploring how Medicare may work alongside VA healthcare benefits, my goal is to provide clear information and personal guidance every step of the way.
MEDICARE COVERAGE REVIEWS AT NO COST TO YOU.
No obligation to enroll or change plans. Just straightforward guidance from someone who genuinely cares.
Count On Us Advisors — Your Medicare Agent for the Long Haul.
You served. Know your Medicare options.
Already receiving health care through the VA? You may still have Medicare coverage options worth understanding. Eligible veterans can generally keep VA health care while enrolled in Medicare Advantage, but the programs have different rules and do not pay for the same services in the same way.
VA Health Care
VA health care and Medicare can exist alongside each other. Medicare Advantage may give you another way to access covered care outside the VA, subject to plan rules, networks and costs.
Extra Benefits to Explore
Depending on the specific plan and your eligibility, benefits may include dental, vision, hearing, fitness or a reduction in the Medicare Part B premium. Benefits are not available in every plan or location.
TRICARE & CHAMPVA
These programs have separate eligibility and coordination rules. Adding Medicare Advantage can affect how claims and prescription coverage work. Review your existing coverage before changing plans.
Questions? Let's talk about your situation.
At Count On Us Advisors, education comes before enrollment. We'll help you understand what to verify—without pressure to change your coverage.
Medicare Advantage generally requires Medicare Parts A and B. VA care and Medicare Advantage are separate systems, and Medicare generally does not pay for VA-provided services. Plan availability, benefits, provider access and out-of-pocket costs vary. Count On Us Advisors is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, Medicare or the federal government.
One conversation at a time.
Medicare decisions can feel impersonal. Our approach isn't. We start with the person: your doctors, prescriptions, priorities, questions and concerns.
Michelle and the Count On Us team provide personal Medicare guidance with technology working behind the scenes to help organize information and support better conversations.
Our promise
- People before policies.
- Education before enrollment.
- Your needs and priorities come first.
- Questions are welcome.
- We explain material differences in plain language.
Smarter support. Still completely human.
Willow is the AI-powered website assistant for Count On Us Advisors. Ask about Medicare, life insurance or final expenses, get a plain-English starting point, and contact Michelle when personal Medicare guidance or current plan verification is needed.
Understand Medicare, life insurance and final expense basics.
Friendly explanations of Medicare and life insurance, with personalized Medicare guidance available through Michelle.
Complicated topics are explained in everyday language.
Plan decisions, verification and enrollment stay with people.
Protecting Your Health, Your Family & Your Future
One place to ask questions about Medicare and life insurance. Not sure where to start? Willow can explain the basics of term life, whole life, universal life and final expense coverage—without pressure or obligation.
Life insurance information is provided for general education. Personalized coverage assistance will be available upon request.
ASK QUESTIONS AT NO COST · NO OBLIGATION
Ask Willow about Medicare & Life Insurance
Review your consultation summary
Before sharing anything with Michelle, you will be able to review the information and confirm your permission.
Willow provides general education, not individualized insurance advice, quotes or eligibility decisions. Michelle can assist with Medicare questions; life insurance consultations and applications are not offered through Willow at this time.
Local roots. Help across 12 states.
Count On Us Advisors is based in Hernando County, Florida. Michelle Evenson is licensed in the following states:
Helpful answers. No pressure.
Explore clear, friendly Medicare articles from Michelle — and learn what to review before making coverage decisions.
READ MEDICARE MINUTES →Start with the basics.
These are common starting points. Your situation may be different, so call us when you want to talk through the details.
When can I enroll in Medicare?
If you're turning 65, your Initial Enrollment Period generally lasts 7 months — starting 3 months before the month you turn 65, including your birthday month, and ending 3 months after. You may also qualify for a Special Enrollment Period because of certain life changes, such as moving or losing other coverage. We'll help you understand which enrollment period applies to you.
Can I review my Medicare coverage even if I already have a plan?
Yes. Coverage, provider networks, formularies, costs and benefits can change. Reviewing your situation can help you understand whether your current coverage still fits your needs.
Do I have to change plans if I talk with you?
No. A conversation can simply be educational. You can ask questions and understand your options without committing to a change.
What should I have handy when we talk?
Your Medicare information, current coverage, doctors, prescriptions and the questions that matter most to you are useful starting points. Don't worry if you don't have everything together yet.
You Don't Have to Figure This Out Alone
Understanding your Medicare options shouldn't have to be complicated. We're here to provide clear information, answer your questions, and help you review your coverage at your own pace.
NO COST. NO OBLIGATION. JUST ANSWERS.
On a computer? You can call 727-758-4060 or email countonusadvisors@gmail.com.